# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-233953
**Filing Date:** 2026-5
**Character Count:** 917002
**Document Hash:** b33ca9125d95de368b6046c4f0a0d7f2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-233953.hdr.sgml**: 20260521

**ACCESSION NUMBER**: 0001193125-26-233953

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

**PUBLIC DOCUMENT COUNT**: 10

**CONFORMED PERIOD OF REPORT**: 20260521

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

**FILED AS OF DATE**: 20260521

**DATE AS OF CHANGE**: 20260521

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 261006978

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

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

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

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

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2026-CNF5
**(Exact name of issuing entity as specified in its charter)** 

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

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

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d139838dex991.htm) |
| 99.2 | [Clayton Conditions Report](d139838dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d139838dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d139838dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d139838dex995.htm) |

---

------

**SIGNATURES** 

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

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | May 21, 2026 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

------

![LOGO](g139838g0521035112744.jpg)

![LOGO](g139838g0521035110915.jpg)

![LOGO](g139838g0521035111429.jpg)

**May 15, 2026**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g139838g0521035112744.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *7* | |
|  **Data Compare Results** |  | **8** |  |
|  **Clayton Due Diligence Results** |  | **9** |  |
|  **Clayton Third Party Reports Delivered** |  | **10** |  |
|  **Appendix A: Credit Review Scope** |  | **11** |  |
|  **Appendix B: Origination Appraisal Assessment** |  | **14** |  |
|  **Appendix C: Regulatory Compliance Review Scope** |  | **17** |  |

---

PMT Loan Trust 2026-CNF5 Page \| 1 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

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

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

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

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

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 259 residential loans selected for the PMT Loan Trust 2026-CNF4 transaction. The loans referenced in this narrative report were reviewed on a bulk basis in April, 2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 43 | 16.60% |
|  Correspondent Bulk | 144 | 55.60% |
|  Correspondent Flow without delegated underwriting | 1 | 0.39% |
|  Retail | 71 | 27.41% |
|  **Total** | **259** | **100.00%** |

---

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

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

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

PMT Loan Trust 2026-CNF5 Page \| 2 May 15, 2026

------

![LOGO](g139838g0521035112744.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 259 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 259 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 259 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

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

**LOAN GRADING** 

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

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

![LOGO](g139838g0521035111829.jpg)

PMT Loan Trust 2026-CNF5 Page \| 3 May 15, 2026

------

![LOGO](g139838g0521035112744.jpg)

**TPR COMPONENT REVIEW SCOPE** 

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

CREDIT REVIEW

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

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

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

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

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

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

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Original Appraisal Assessment (259 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (259 loans)

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

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

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

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

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

For further detail please refer to the PMTLT 2026-CNF5 Valuations Summary Report

PMT Loan Trust 2026-CNF5 Page \| 4 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF5 Page \| 5 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

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

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

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

**DATA INTEGRITY** 

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

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

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

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

PMT Loan Trust 2026-CNF5 Page \| 6 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

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

**DATA CAPTURE** 

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

PMT Loan Trust 2026-CNF5 Page \| 7 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Amortization Type | 1 | 99.61% |
|  Appraisal Form Type | 259 | 0.00% |
|  AUS Grade Audit | 103 | 60.23% |
|  Borrower 1 Last Name | 6 | 97.68% |
|  Borrower 1 Self Employed Flag | 1 | 99.61% |
|  Borrower 1 Total Income | 103 | 60.23% |
|  Borrower 2 Last Name | 4 | 98.46% |
|  Borrower 2 Self Employed Flag | 2 | 99.23% |
|  Cash Reserves | 174 | 32.82% |
|  Combined LTV | 1 | 99.61% |
|  Credit Report Date | 30 | 88.42% |
|  Debt to Income Ratio (Back) | 15 | 94.21% |
|  First Payment Date | 1 | 99.61% |
|  Loan Purpose | 3 | 98.84% |
|  Maturity Date | 1 | 99.61% |
|  Min Number | 1 | 99.61% |
|  Note Rate | 1 | 99.61% |
|  Original Appraisal Date | 4 | 98.46% |
|  Original Appraised Value | 2 | 99.23% |
|  Origination Channel | 115 | 55.60% |
|  Origination Date | 1 | 99.61% |
|  Product Type | 5 | 98.07% |
|  Property City | 1 | 99.61% |
|  Property Street Address | 5 | 98.07% |
|  Property Type | 5 | 98.07% |
|  Total Monthly Income | 118 | 54.44% |

---

PMT Loan Trust 2026-CNF5 Page \| 8 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (259 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 62 |  | 10 | 49 | **121** |
| **Final** | **B** |  | 9 | 4 | 113 | **126** |
| **Final** | **C** |  |  | 3 | 7 | **10** |
| **Final** | **D** |  |  |  | 2 | **2** |
| **Final** | **Total** | **62** | **9** | **17** | **171** | **259** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 206 |  | 19 | 26 | **251** |
| **Final** | **B** |  | 5 |  |  | **5** |
| **Final** | **C** |  |  | 2 |  | **2** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **206** | **5** | **21** | **27** | **259** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 96 |  | 2 | 48 | **146** |
| **Final** | **B** |  |  | 1 | 108 | **109** |
| **Final** | **C** |  |  |  | 3 | **3** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **96** | **0** | **3** | **160** | **259** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 194 |  | 8 | 17 | **219** |
| **Final** | **B** |  | 25 | 8 | 2 | **35** |
| **Final** | **C** |  |  | 4 | 1 | **5** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **194** | **25** | **20** | **20** | **259** |

---

PMT Loan Trust 2026-CNF5 Page \| 9 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF5 Page \| 10 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![LOGO](g139838g0521035112744.jpg)

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

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

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

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

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

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

**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

PMT Loan Trust 2026-CNF5 Page \| 16 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF5 Page \| 17 May 15, 2026

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![LOGO](g139838g0521035112744.jpg)

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

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

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

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

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

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

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

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

---

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

---

PMT Loan Trust 2026-CNF5 Page \| 18 May 15, 2026

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

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

---

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

---

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

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

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

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

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

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

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

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

---

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

---

PMT Loan Trust 2026-CNF5 Page \| 19 May 15, 2026

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

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

---

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

---

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

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

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

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

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

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![LOGO](g139838g0521035112744.jpg)

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

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

<sup>©</sup> 2026 Clayton Services LLC. All rights reserved.

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

PMT Loan Trust 2026-CNF5 Page \| 21 May 15, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF5_J16910** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *259* |
| ***Loans with Conditions:*** | *197* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**51 - Total Active Conditions** | |
| **14 - Material Conditions** | **14 - Material Conditions** |
| 3 - Credit Review Scope | 3 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Assets |
|  | 1 - Category: Legal Documents |
| 6 - Property Valuations Review Scope | 6 - Property Valuations Review Scope |
|  | 2 - Category: Appraisal |
|  | 1 - Category: FEMA |
|  | 3 - Category: Value |
| 5 - Compliance Review Scope | 5 - Compliance Review Scope |
|  | 1 - Category: Federal Consumer Protection |
|  | 1 - Category: Right of Rescission |
|  | 3 - Category: TILA/RESPA Integrated Disclosure |
| **37 - Non-Material Conditions** | **37 - Non-Material Conditions** |
| 5 - Credit Review Scope | 5 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: LTV/CLTV |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
| 31 - Compliance Review Scope | 31 - Compliance Review Scope |
|  | 25 - Category: RESPA |
|  | 3 - Category: Right of Rescission |
|  | 1 - Category: State Consumer Protection |
|  | 2 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**389 - Total Satisfied Conditions** | **389 - Total Satisfied Conditions** |
| 52 - Credit Review Scope | 52 - Credit Review Scope |
|  | 12 - Category: Ability to Repay/Qualified Mortgage |
|  | 3 - Category: Assets |
|  | 7 - Category: Credit/Mtg History |
|  | 8 - Category: DTI |
|  | 11 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 2 - Category: Legal Documents |
|  | 5 - Category: Terms/Guidelines |
|  | 2 - Category: Title |
| 290 - Property Valuations Review Scope | 290 - Property Valuations Review Scope |
|  | 282 - Category: Appraisal |
|  | 1 - Category: FEMA |
|  | 7 - Category: Value |
| 47 - Compliance Review Scope | 47 - Compliance Review Scope |
|  | 12 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: APR Tolerance |
|  | 5 - Category: Compliance Manual |
|  | 1 - Category: Documentation |
|  | 2 - Category: Right of Rescission |
|  | 1 - Category: State Consumer Protection |
|  | 25 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**1 - Total Waived Conditions** |  |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: FEMA |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF5_J16910** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *259* |
| ***Loans with Conditions:*** | *197* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt<br>Ratio ><br>50% | No | DTI of<br>53.12% is<br>over<br>guideline<br>maximum<br>of 45%.<br>Lender<br>used rental<br>income to<br>offset<br>PITIA for<br>investment<br>property,<br>but this<br>income is<br>not<br>reflected<br>on<br>Schedule E<br>or<br>elsewhere<br>on tax<br>returns and<br>no lease<br>agreement<br>in file.<br>Expenses<br>flow<br>through<br>Schedule C<br>for this<br>property,<br>but gross<br>receipt/<br>sales are<br>not<br>reflected.<br>Full PITIA<br>has been<br>included. | 5/7/2026:<br>Clayton<br>re-reviewed<br>income. LOX<br>from lender<br>indicating<br>Schedule C<br>income was<br>used to offset<br>PITI on REO.<br>Clayton<br>verified<br>$492.92/month<br>loss on<br>Schedule C<br>and left the<br>$4,007 P&I<br>payment in<br>DTI. Expenses<br>on Schedule C<br>show taxes<br>and insurance<br>covered. DTI<br>is now<br>40.53%,<br>within<br>tolerance of<br>lender 40.74%. | 5/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.8% <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 27 years in current profession. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 784 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC152 | Missing<br>verbal<br>VOE<br>required<br>by<br>guidelines | No | B2 VVOE<br>is missing/<br>incomplete.<br>Provided<br>email chain<br>to verify<br>does not<br>reflect a<br>response<br>for the<br>requested<br>information<br>from the<br>company. | 4/27/2026:<br>Received<br>VVOE for B2<br>via email, with<br>all<br>requirements<br>addressed. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 4 years XXX <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 4 years with current company <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 738 fico exceeds minimum 620 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 11 years 11 months in current home. | Complete |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 8.52% DTI < maximum permitted of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 774 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 30 years in the line of work. | Complete |

---

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 8.52% DTI < maximum permitted of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 774 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 30 years in the line of work. | Complete |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.96% is below guideline maximum 45%. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 84 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 19.68% | Complete |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.96% is below guideline maximum 45%. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 84 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 19.68% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers have82 months mortgage payment history 0x30. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 17.44% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>Score<br>4.5.<br>Clayton<br>to order<br>Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 84 months <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 723 FICO score. Minimum required 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 32.95%-Max DTI is 45%, | Complete |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 792 / 797 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #142 months, Credit ratio 13.12% <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has been with employer > 6 years | Complete |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 99 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower on same job over 9 years. 2 years required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 795 > min required score of 620. | Complete |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 99 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower on same job over 9 years. 2 years required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 795 > min required score of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 11 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 33.06% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+2.78%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have19 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 774 mid score > min required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+2.78%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have19 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 774 mid score > min required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 747 mid fico exceed guideline minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 38.19% DTI is below max allowed of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30x84 mortgage payment history <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 723 FICO exceeds minimum 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.95% DTI, Max DTI is 45% | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years as FTHB. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $80,914.19 / 30.75 months PITIA > min required of $2,467.00. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.47% is below guideline maximum 50%. | Complete |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $19.75 due<br>to lender<br>credits<br>decreased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 05.07.2026—COC<br>provided | 05.07.2026<br>-Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 1.19%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 27+ years at present job. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 801 mid score > min required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance<br>Expiration<br>date is prior<br>than the<br>transaction<br>date | No | Provide<br>renewal dec<br>page for<br>Condo Master<br>Policy. The<br>General<br>Liability<br>expired<br>1/2/2026.<br>Loan closed<br>XXX. | 5/7/2026:<br>Received Condo<br>HOI XXX-XXX. | 5/7/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has over 5 Years and 6 months in the profession. B2 has over 6 years and 11 months in the profession. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 763 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 43.62% is below guideline maximum 50%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9% | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | Right of<br>Rescission | Active B | CMPROR117 | ROR—Expiration<br>date on form<br>prior to end of<br>rescission period | No | ROR—Disbursement<br>date is before end of<br>statutory rescission<br>periodROR<br>Expiration date is<br>XXX; disbursement<br>date per Final CD in<br>file is XXX.<br>Borrower did not<br>receive full<br>mandatory rescission<br>period prior to<br>disbursement of<br>funds Requires<br>corrected PCCD,<br>LOX, re-open of<br>rescission-copy of<br>shipping. | 05.12.2026—client<br>loaded RTC<br>response (XXX) to<br>the incorrect loan | 05.12.2026—Exception<br>remains | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.55% DTI below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.01% LTV below guideline requirements of 80% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID4056 | TRID—CD: The<br>Total Payment<br>Amount on the<br>Loan Calculation<br>section of the<br>Final Closing<br>Disclosure is less<br>than the Clayton<br>Calculated Total<br>Payment Amount | Yes | Total payment<br>amount of Clayton<br>pay stream<br>calculation is higher<br>than what is listed on<br>the Final CD before<br>closing due to APR<br>being incorrectly<br>calculated. Notary<br>fee of $250 and<br>XXX Foreclosure<br>prevention fee of $80<br>should be included in<br>APR/total finance<br>charges. | 05.12.2026—The<br>$80.00 XXX<br>Foreclosure<br>prevention fee was<br>included in final<br>CD partially<br>satisfies the total<br>payment amount<br>calculated.<br>However the client<br>agrees that the<br>$200.00 notary fee<br>was not included<br>and should be<br>cured. | 05.12.2026—Exception<br>remains | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.55% DTI below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.01% LTV below guideline requirements of 80% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved, Clayton to<br>order BPO. | 5/5/2026:<br>Received BPO not<br>supporting value. | 5/5/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.55% DTI below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.01% LTV below guideline requirements of 80% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | Loan is PIW<br>approved/ Clayton to<br>order BPO. | 5/5/2026:<br>Received BPO not<br>supporting value. | 5/5/2026: Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.55% DTI below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.01% LTV below guideline requirements of 80% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 620. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 5/5/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/12/2026:<br>Received<br>2055<br>Report<br>supporting<br>value. | 5/12/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.55% DTI below guideline requirement of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.01% LTV below guideline requirements of 80% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 742 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $356,742 post closing reserves, 149.08 months PITI.0 required reserves <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: $116 outstanding consumer debt at $40 monthly. | Complete |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+10.94%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 7.5 years on job <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: $70 monthly in consumer debt | Complete |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+10.94%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 7.5 years on job <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: $70 monthly in consumer debt | Complete |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 10 years at primary residence <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 289 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 727 mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 168 months mortgage payment history 0x30. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 10 years at primary residence <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 289 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 727 mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 168 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 38.81% is below guideline maximum 50%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $137,636.21 (38.62 months PITIA reserves) > min required reserves of $0 | Complete |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | VVOE<br>for<br>current<br>employer<br>was<br>completed<br>XXX,<br>current as<br>of XXX.<br>Provide a<br>current<br>VVOE or<br>DU<br>approved<br>alt docs to<br>verify<br>currently<br>employed.<br>Latest<br>paystub is<br>dated<br>XXX<br>which is<br>>XXX<br>business<br>prior to<br>Note date. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 104 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 795 > min required score of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.14% DTI < min required of 50% | Complete |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 104 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 795 > min required score of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.14% DTI < min required of 50% | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 104 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 795 > min required score of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.14% DTI < min required of 50% | Complete |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Updated<br>valuation<br>provided. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have 10 years in current profession. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.61% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 702 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/28/2026:<br>Received<br>BPO not<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have 10 years in current profession. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.61% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 702 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 4/28/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/5/2026<br>Received<br>2055<br>inspection.<br>Variance<br>of -1.52%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have 10 years in current profession. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.61% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 702 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>approved<br>loan. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower's lowest middle score774, minimum 620 required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 78%, can go up to 80%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrowers have over 7 years at current jobs. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower's lowest middle score774, minimum 620 required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 78%, can go up to 80%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrowers have over 7 years at current jobs. | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Updated<br>valuation<br>provided. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has annuity income that was not used to qualify, letter in file from financial lender XXX XXX estimated totals $76,788.30 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 8.00% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have88 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $1,956,927.42 / 971.28 months PITIA > min required of $0 | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 4/28/2026:<br>Received<br>BPO not<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has annuity income that was not used to qualify, letter in file from financial lender XXX XXX estimated totals $76,788.30 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 8.00% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have88 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $1,956,927.42 / 971.28 months PITIA > min required of $0 | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 4/28/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/6/2026:<br>Received<br>2055<br>supporting<br>value. | 5/6/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has annuity income that was not used to qualify, letter in file from financial lender XXX XXX estimated totals $76,788.30 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 8.00% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have88 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $1,956,927.42 / 971.28 months PITIA > min required of $0 | Complete |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +1.67%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 709 is 89 points above minimum program requirement of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 97%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +1.67%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 709 is 89 points above minimum program requirement of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 97%. | Complete |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Title | Satisfied D A | CRDTIL865 | Title<br>incomplete | No | Title to<br>be<br>provided<br>to meet at<br>least the<br>loan<br>amount<br>for<br>coverage. | 5/4/2026:<br>Received<br>Title<br>showing<br>coverage<br>for loan<br>amount. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has $80,407.13 reserves which is > $0 required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 34.94% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 754 is above minimum of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.47%; guidelines allow 97%. | Complete |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has $80,407.13 reserves which is > $0 required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 34.94% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 754 is above minimum of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.47%; guidelines allow 97%. | Complete |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has $80,407.13 reserves which is > $0 required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 34.94% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 754 is above minimum of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.47%; guidelines allow 97%. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Final CD<br>dated XXX<br>signed as<br>XXX which<br>should read<br>XXX<br>Incorrect year<br>listed. | XXX -<br>Final CD<br>provided<br>signed<br>XXX<br>received | 05.07.2026 - Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 709 median FICO. Min required 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 62.75% LTV. Max allowed 95%. | Complete |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>4.0. Clayton<br>to order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026 Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 709 median FICO. Min required 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 62.75% LTV. Max allowed 95%. | Complete |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Right of<br>Rescission | Satisfied C A | CMPROR1911 | Incorrect<br>ROR Form<br>Used—H9<br>Form Used<br>in Refinance<br>With<br>Different<br>Creditor | No | H9 (increase<br>amount of<br>credit) ROR<br>form used for<br>this<br>NON-lender<br>to lender<br>refinance. H8<br>(will result in<br>mortgage)<br>was the<br>proper form. | 05.12.2026<br>Client<br>provided<br>document<br>that the<br>correct<br>NRTC<br>form H-9<br>was used<br>as the<br>original<br>Lender.<br>XXX is<br>dba as<br>XXX | 05.12.2026—Exception<br>was satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is at 31.84, well below guide | Complete |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | LTV/<br>CLTV | Active B | CRDLTV5738 | CLTV<br>Exceeds<br>Guideline<br>Requirement<br>by less than<br>5% | No | Prelim Title<br>shows a<br>Secured<br>Financing<br>Statement<br>with XXX<br>CU dated<br>10/2025. File<br>also has a<br>fully<br>executed<br>Subordination<br>Agreement<br>showing<br>APN/Parcel<br>ID number.<br>The credit<br>report shows<br>it as a<br>Secured loan<br>with $35,099<br>balance<br>yielding<br>84.30%<br>CLTV. AUS<br>needs to be<br>re-run to<br>include<br>subordinate<br>lien and show<br>84.30%<br>CLTV/<br>HCLTV. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is at 31.84, well below guide | Complete |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +2.94%<br>within<br>tolerance. | 5/4/2026 Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is at 31.84, well below guide | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +2.94%<br>within<br>tolerance. | 5/4/2026 Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is at 31.84, well below guide | Complete |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: The Borrower has documented 69 Months PITI Reserves. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: The Minimum Score is 620. The Borrower's Representative Score is 815. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been employed with current employer for 12 years. | Complete |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: The Borrower has documented 69 Months PITI Reserves. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: The Minimum Score is 620. The Borrower's Representative Score is 815. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been employed with current employer for 12 years. | Complete |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL2550 | Missing<br>HUD-1<br>from sale<br>of<br>property | No | Provide the<br>final signed<br>CD for sale<br>of home<br>XXX<br>netting<br>$XXX. The<br>Seller CD<br>in the file is<br>an estimate. | XXX<br>Client<br>provided<br>Seller CD<br>XXX | 05.12.2026—Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.46% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 26.90%; guidelines allow 90%. | Complete |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026 Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.46% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 26.90%; guidelines allow 90%. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 19 years at current residence. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 20 years time in profession. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: ASSETS: Retirement assets = $80,289.19. $16,506 required per AUS. | Complete |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 22.57% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 753 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 33.38% is below guideline maximum 50%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $534,914.19 > required $6824.00 | Complete |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 714 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 31.55% is below guideline maximum 45%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 50 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 11.00% | Complete |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: ASSETS: $137,006.11 - $34,000 EMD - $42,326.88 CTC = $60,679.23 reserves$19,265 required reserves. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 21.71% DTI with a max 45% allowed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 score exceeds 620 minimum. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX | 05.07.2026<br>Edisclosure<br>tracking<br>provided | 05.07.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 26.99% DTI is well below guideline maximum <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 fico score exceed guideline minimum | Complete |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of<br>+61.11%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 26.99% DTI is well below guideline maximum <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 fico score exceed guideline minimum | Complete |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of<br>+61.11%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 26.99% DTI is well below guideline maximum <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 fico score exceed guideline minimum | Complete |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects oldest tradeline 7/1/1992, reporting 0x30 in the last 36 months <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30x69 mortgage payment history <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers owned the departure residence 9.83 years | Complete |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | DTI | Active B | CRDDTI106 | Debt Ratio<br>Exception<br>>5% and<br><10% | No | Final DU<br>findings show<br>DTI of<br>18.73/26.18.<br>Audit findings<br>are<br>23.93/31.39.<br>Difference of<br>5.21%. DU<br>findings do<br>not reflect<br>property taxes<br>of $XXX/mo.<br>Per mortgage<br>history and<br>title, b1 is<br>responsible<br>for property<br>taxes of<br>$XXX/yr. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 31.39% is lower than max DTI allowed 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 mortgage history since May 2012. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 754 exceeds required FICO of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-close assets are $107,287.81 exceeding required reserves are $0 per DU Findings 11. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 31.39% is lower than max DTI allowed 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 mortgage history since May 2012. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 754 exceeds required FICO of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-close assets are $107,287.81 exceeding required reserves are $0 per DU Findings 11. | Complete |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 31.39% is lower than max DTI allowed 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 mortgage history since May 2012. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 754 exceeds required FICO of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-close assets are $107,287.81 exceeding required reserves are $0 per DU Findings 11. | Complete |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>evidence that<br>XXX loan<br>ending \*XXX<br>with monthly<br>payment of<br>$2,386.00/month<br>has been paid<br>off in full and<br>property at XXX<br>sold, as qualified<br>with. | 4/27/2026:<br>Received<br>updated LP<br>findings,<br>1008 and<br>1003 with<br>debt added.<br>LP<br>Streamlined<br>Accept #15<br>at 48%<br>DTI.<br>Clayton<br>verified<br>47.53%<br>DTI. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 60 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 808 exceeds 620 minimum. | Complete |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Provide<br>evidence that<br>XXX loan<br>ending \*XXX<br>with monthly<br>payment of<br>$2,386.00/month<br>has been paid<br>off in full and<br>property at XXX<br>sold, as qualified<br>with. | 4/27/2026:<br>Received<br>updated LP<br>findings,<br>1008 and<br>1003 with<br>debt added.<br>LP<br>Streamlined<br>Accept #15<br>at 48%<br>DTI.<br>Clayton<br>verified<br>47.53%<br>DTI. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 60 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 808 exceeds 620 minimum. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 60 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 808 exceeds 620 minimum. | Complete |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 60 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 808 exceeds 620 minimum. | Complete |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 42.6. AUS DU Approve/Eligible at 45.73 | Complete |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026:<br>Updated<br>valuation<br>provided. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 803 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 20.13% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 330 months. | Complete |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved/<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO not<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 803 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 20.13% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 330 months. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 5/4/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>5/4/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/12/2026:<br>Received<br>2055<br>report<br>supporting<br>value. | 5/12/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 803 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 20.13% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 330 months. | Complete |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30 12 mo's | Complete |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30 12 mo's | Complete |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score 3.5<br>> 2.5.<br>Clayton to<br>order desk<br>review | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $561,161.90 or 158.24 months PITI.0 required reserves <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have owned the departure residence 6.58 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 credit score exceeds the minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.09%; guidelines allow 90%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 38.84% is below guideline maximum 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 mid score > min required of 680 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026: Received<br>BPO supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.09%; guidelines allow 90%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 38.84% is below guideline maximum 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 mid score > min required of 680 | Complete |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026 Received<br>BPO. Variance of<br>-15.00% outside of<br>tolerance. Clayton to<br>order 2055 Exterior<br>Inspection.5/12/2026:<br>Received Report<br>2055, not supporting<br>value. Lender to<br>order full appraisal. | 5/4/2026<br>Exception<br>remains.5/12/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job - 13 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job- over 21 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 731 exceeds guidelines | Complete |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026 Received<br>BPO. Variance of<br>-15.00% outside of<br>tolerance. Clayton to<br>order 2055 Exterior<br>Inspection.5/12/2026:<br>Received Report<br>2055, not supporting<br>value. Lender to<br>order full appraisal. | 5/4/2026<br>Exception<br>remains.5/12/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job - 13 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job- over 21 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 731 exceeds guidelines | Complete |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-15.00%<br>outside of<br>tolerance.<br>Clayton to<br>order 2055<br>Exterior<br>Inspection. | 5/12/2026: Received<br>Report 2055, not<br>supporting value.<br>Lender to order full<br>appraisal. | 5/12/2026:<br>Exception remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job - 13 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job- over 21 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 731 exceeds guidelines | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject PITI | No | Missing<br>the<br>mortgage<br>statement<br>for the<br>borrowers<br>2nd home<br>located at<br>XXX | 4/27/2026:<br>Received<br>taxes,<br>HOA and<br>HOI info.<br>Using Mtg<br>payment<br>on credit<br>report and<br>adding<br>escrows.<br>XXX<br>$542 P&I,<br>$58.38<br>taxes,<br>$52.25<br>HOI,<br>$202.85<br>HOA.<br>Total<br>$855.48<br>PITIA.<br>DTI is<br>within<br>tolerance. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | (No Data) | Complete |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | (No Data) | Complete |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | CMPROR117 | ROR—Expiration<br>date on form<br>prior to end of<br>rescission period | No | The<br>Expiration<br>date of<br>XXX on<br>the ROR<br>forms is<br>prior to<br>end of<br>rescission<br>period of<br>XXX.<br>Notary<br>date<br>XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741:<br>Credit score<br>exceeds<br>guidelines <br>- Clayton<br>Comments:<br>Credit score<br>of 741<br>exceeds 640<br>program<br>minimum <br>CFCFS2854:<br>Significant<br>time in<br>profession <br>- Clayton<br>Comments:<br>Both<br>borrowers<br>have solid<br>careers with<br>several years<br>tenure <br>CFCFS1744:<br>DTI below<br>guideline<br>requirement <br>- Clayton<br>Comments:<br>DTI of<br>39.58% is<br>below the<br>45% program<br>maximum | Complete |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741:<br>Credit score<br>exceeds<br>guidelines <br>- Clayton<br>Comments:<br>Credit score<br>of 741<br>exceeds 640<br>program<br>minimum <br>CFCFS2854:<br>Significant<br>time in<br>profession <br>- Clayton<br>Comments:<br>Both<br>borrowers<br>have solid<br>careers with<br>several years<br>tenure <br>CFCFS1744:<br>DTI below<br>guideline<br>requirement <br>- Clayton<br>Comments:<br>DTI of<br>39.58% is<br>below the<br>45% program<br>maximum | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received BPO<br>supporting value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 741 exceeds 640 program minimum <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have solid careers with several years tenure <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 39.58% is below the 45% program maximum | Complete |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $3383.10<br>due to<br>decrease on<br>lender Credit<br>from LE to<br>CD. Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower. | 05.05.2026 -<br>Missing COCS<br>and LEs provided | 05.05.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 783 median FICO. Min required 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 9.92 years. | Complete |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Need evidence<br>of change of<br>circumstances<br>letter for Ten<br>Percent<br>tolerance, for<br>an aggregate<br>increase<br>between<br>Recording<br>Fees<br>decreasing<br>and Title<br>Insurance<br>being added<br>as of the LE<br>dated XXX, or<br>a copy of a<br>refund check<br>in the amount<br>of $500.20 . | 5.5.2026 - Missing<br>LEs and COCs<br>provided | 5.5.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 783 median FICO. Min required 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 9.92 years. | Complete |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | XXX Loan<br>HELOC<br>$81,008 $520<br>per month<br>omitted in DU<br>credit review.<br>Appears loan<br>was added<br>back in<br>monthly debts.<br>Loan is not<br>matched to<br>property on<br>REO. Missing<br>documentation<br>verifying<br>property loan<br>secured by. | 5/5/2026 Received<br>copy of HELOC<br>and property detail<br>report confirming<br>secured by<br>investment<br>property. Updated<br>1008/1003/updated<br>DU reflecting the<br>lien was included<br>in negative rent<br>calculation. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Over 10 years on job <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 31.49% . Max 45% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | XXX Loan<br>HELOC<br>$81,008 $520<br>per month<br>omitted in DU<br>credit review.<br>Appears loan<br>was added<br>back in<br>monthly debts.<br>Loan is not<br>matched to<br>property on<br>REO. Missing<br>documentation<br>verifying<br>property loan<br>secured by. | 5/5/2026 Received<br>copy of HELOC<br>and property detail<br>report confirming<br>secured by<br>investment<br>property. Updated<br>1008/1003/updated<br>DU reflecting the<br>lien was included<br>in negative rent<br>calculation. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Over 10 years on job <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 31.49% . Max 45% | Complete |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 2.7.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026 Received<br>desk review.<br>Variance of 0%<br>within tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower is only using 6% of total revolving debt. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Overall good credit history between both borrowers. No lates reported, lowest middle score is 807. | Complete |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA score ><br>2.5%. Clayton<br>to order desk<br>review. | 5/4/2026 Received<br>desk review.<br>Variance of 0%<br>within tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have owned the departure residence 8.92 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 802 credit score exceeds guidelines; minimum 680 required FICO <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $498,618.79 or 101.82 months PITI. 0 required reserves. | Complete |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score 2.9.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026 Received<br>desk review.<br>Variance of 0%<br>within tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 387 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 3.36% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 783 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 45.257% is below guideline maximum 50 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to<br>orderBPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-1..03%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 9+ years at present job <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $293,888 /45.58 months PITIA > min required of 0. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 7697 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-1..03%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 9+ years at present job <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $293,888 /45.58 months PITIA > min required of 0. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 7697 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV—Maximum is 90% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: rep score 812; minimum required 620 | Complete |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 725 exceeds minimum of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 60.53% is below 80% maximum allowed. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 33.41% is below 45% maximum. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 18.59% is below guideline maximum 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 7+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 18.59% is below guideline maximum 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 7+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID5291 | TRID:<br>CD: The<br>amount of<br>Estimated<br>Escrow in<br>the<br>Projected<br>Payments<br>section is<br>inaccurate | Yes | Escrow<br>Analysis<br>reflects<br>the<br>amount<br>owed<br>monthly<br>as<br>$407.43.<br>The CDs<br>dated<br>XXX and<br>XXX<br>reflects<br>the<br>escrow<br>payment<br>as<br>$280.59. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal use of credit <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 70 % LTV below guideline requirements <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 19 % DTI below guideline requirement | Complete |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>DU<br>approved<br>with PIW | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal use of credit <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 70 % LTV below guideline requirements <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 19 % DTI below guideline requirement | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal use of credit <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 70 % LTV below guideline requirements <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 19 % DTI below guideline requirement | Complete |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 34.21% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 34.21% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 78.32 is below maximum allowed of 95%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 22 months reviewed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 mid score exceeds min required of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 78.32 is below maximum allowed of 95%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 22 months reviewed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 mid score exceeds min required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to<br>orderBPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower 2 has been with same employer for 7 years 6 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 793 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 18.64% is below guideline maximum 50%. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower 1 has been in same profession for 11 years. | Complete |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower 2 has been with same employer for 7 years 6 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 793 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 18.64% is below guideline maximum 50%. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower 1 has been in same profession for 11 years. | Complete |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 21.47% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 72 median FICO. Min required 620. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 21.47% DTI. Max allowed 45%.<br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 72 median FICO. Min required 620. | Complete |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 148 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 64.58%; guidelines allow 97%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 35.73% is below the guideline maximum of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 733 is 113 points above minimum program requirement of 620. | Complete |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 148 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 64.58%; guidelines allow 97%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 35.73% is below the guideline maximum of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 733 is 113 points above minimum program requirement of 620. | Complete |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Active C | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | Yes | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-24.65%<br>outside of<br>tolerance.<br>Clayton to<br>order 2055<br>Exterior<br>Inspection. | 5/4/2026<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 73.01%; guidelines allow 97%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 84 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 800 FICO score. Minimum required 620. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-24.65%<br>outside of<br>tolerance.<br>Clayton to<br>order 2055<br>Exterior<br>Inspection. | 5/4/2026<br>Exception<br>remains. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 73.01%; guidelines allow 97%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 84 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 800 FICO score. Minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-24.65%<br>outside of<br>tolerance.<br>Clayton to<br>order 2055<br>Exterior<br>Inspection. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 73.01%; guidelines allow 97%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 84 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 800 FICO score. Minimum required 620. | Complete |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.97% is below guideline maximum 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10+years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved/<br>Clayton to<br>order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.97% is below guideline maximum 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10+years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 755 exceeds 620 required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 50.93% is below Guidelines 95% maximum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 17.81% is below Guidelines 45% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 755 exceeds 620 required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 50.93% is below Guidelines 95% maximum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 17.81% is below Guidelines 45% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 61.70%; guidelines allow 80%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have111 months mortgage payment history 0x30. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 754 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not in file | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Both borrowers have good credit history no derogatory items. <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Due to industries of XXX and XXX there are projections of higher earnings. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have been in their profession greater than 2 years as evidence by voe and business tax returns | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Both borrowers have good credit history no derogatory items. <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Due to industries of XXX and XXX there are projections of higher earnings. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have been in their profession greater than 2 years as evidence by voe and business tax returns | Complete |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Both borrowers have good credit history no derogatory items. <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Due to industries of XXX and XXX there are projections of higher earnings. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Both borrowers have been in their profession greater than 2 years as evidence by voe and business tax returns | Complete |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 21.76% is below guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 804 exceeds minimum required of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 77.47% is below guidelines 95% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 46.92 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is 42.41%/maximum 50% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 38 years at current residence | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 17.47% is lower than max DTI allowed 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-close assets are $44,456.66; Required PITIA reserves are $0 per LP findings. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 746 exceeds required FICO of 620. | Complete |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 38.55%; guidelines allow 95%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers has 0x30 for 705 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has maintained the same job for 257 months. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-borrower has maintained current for 253 months. | Complete |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 38.55%; guidelines allow 95%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers has 0x30 for 705 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has maintained the same job for 257 months. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-borrower has maintained current for 253 months. | Complete |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: ASSETS: $15,801.62 verified. Reserves not required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 34.62% DTI with a 50% max allowed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.10% LTV with a max 80% allowed. | Complete |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: ASSETS: $15,801.62 verified. Reserves not required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 34.62% DTI with a 50% max allowed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.10% LTV with a max 80% allowed. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have61 months mortgage payment history 0x30. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 22.81% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 743 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 25.73% is well below maximum per guidelines <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 734 fico is well above guideline minimum | Complete |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score<br>3.4.<br>Clayton<br>to order<br>Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.83% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 mid score > min required of 660. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 32% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35 DTI max dti 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 718 fico score exceeds guidelines 620 <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Other income not used to qualify | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | 1) Missing<br>credit report

#XXX<br>1/7/2026 for<br>B1 XXX.2)<br>Document<br>PITI expenses<br>for XXX3)<br>Document<br>current rental<br>income of<br>$3,000 for<br>XXX,<br>supporting a<br>net rent loss of<br>-$267.15.4)<br>Document<br>monthly rent<br>of $2500 for<br>B2 XXX,<br>XXX. Provide<br>lease, VOR or<br>acceptable<br>documentation. | 4/27/2026:<br>Received the credit<br>report and PITI<br>info for XXX The<br>PDF for Schedule<br>E is<br>corrupt.5/4/2026<br>Received 2024<br>1040, XXX<br>reflected as rental<br>on Schedule E. 12<br>mo. average<br>$2,355.08 which<br>supports loss of<br>($267.15) used to<br>qualify.5/12/2026:<br>Received LOX<br>from lender that B2<br>is not renting<br>anymore as of<br>February and has<br>moved into the<br>subject. This is<br>acceptable. An<br>updated Final 1003<br>showing this is<br>sufficient, no<br>signatures<br>required.5/14/2026:<br>Received updated<br>1008 and AUS.<br>DTI is now<br>28.10%. | 4/27/2026:<br>Exception<br>remains.5/4/2026<br>Exceptions 1 and 2<br>satisfied<br>4/27/2026.<br>Exception item 3<br>satisfied 5/4/2026.<br>Exception 4<br>remains.5/12/2026:<br>Exception<br>remains.5/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 credit score; Minimum required 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects B2 oldest tradeline 11/2013, no reported derogs in the last 24 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $79,368.11 or 16.20 months PITI. 0 required reserves | Complete |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/<br>Mtg<br>History | Satisfied B A | CRDCRMH193 | Length of<br>mortgage/<br>rental history<br>in file does<br>not meet<br>guideline<br>requirement | No | Missing credit<br>report for B1<br>XXX 1)<br>Document<br>satisfactory<br>mortgage<br>payment<br>history for the<br>subject<br>property,<br>XXX#XXX) Document<br>satisfactory<br>mortgage<br>payment<br>history for<br>XXX,<br>XXX#XXX.<br>3) Liabilities<br>include<br>monthly rent<br>of $2,500 for<br>B2 located at<br>XXX; no lease<br>provided,<br>missing VOR<br>or rent history. | 4/27/2026:<br>Received the credit<br>report and PITI<br>info for XXX The<br>PDF for Schedule<br>E is<br>corrupt.5/12/2026:<br>Received LOX<br>from lender that B2<br>is not renting<br>anymore as of<br>February and has<br>moved into the<br>subject. This is<br>acceptable. An<br>updated Final 1003<br>showing this is<br>sufficient, no<br>signatures<br>required.5/14/2026:<br>Received updated<br>1008 and AUS.<br>DTI is now<br>28.10%. | 4/27/2026:<br>Exception<br>remains.5/12/2026:<br>Exception<br>remains.5/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 credit score; Minimum required 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects B2 oldest tradeline 11/2013, no reported derogs in the last 24 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $79,368.11 or 16.20 months PITI. 0 required reserves | Complete |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH183 | Credit report<br>incomplete | No | Missing credit<br>report #XXX<br>1/7/2026 for<br>B1 XXX | 4/27/2026:<br>Receivedn credit<br>report for B1. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 credit score; Minimum required 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects B2 oldest tradeline 11/2013, no reported derogs in the last 24 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $79,368.11 or 16.20 months PITI. 0 required reserves | Complete |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026 Received<br>BPO. Variance of<br>+11.69% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 credit score; Minimum required 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects B2 oldest tradeline 11/2013, no reported derogs in the last 24 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $79,368.11 or 16.20 months PITI. 0 required reserves | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+11.69%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satsified. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 credit score; Minimum required 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects B2 oldest tradeline 11/2013, no reported derogs in the last 24 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $79,368.11 or 16.20 months PITI. 0 required reserves | Complete |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 787 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #125 months, Credit ratio 26.39% <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Borrower receives Bonus and Commission income that was not needed or used for qualifying. | Complete |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | PIW<br>approved<br>loan.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 787 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #125 months, Credit ratio 26.39% <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Borrower receives Bonus and Commission income that was not needed or used for qualifying. | Complete |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -1.43%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has $44,592.92/11.40 PITIA which is > guideline minimum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 25.56% is below the guideline maximum of 50%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio of 1.05%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-1.43%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 746 is 126 points above minimum program requirement of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has $44,592.92/11.40 PITIA which is > guideline minimum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 25.56% is below the guideline maximum of 50%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio of 1.05%. | Complete |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>score ><br>2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: The borrower has been in their current role for eight years <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: The borrower has been in he same profession for 8 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: The borrower's credit score of 785 exceeds minimum guideline requirement | Complete |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of<br>-1.75%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 763 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $33,277.66/ 6.67 months PITI > min required of $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 13.10% | Complete |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has a 727 credit score and no lates within past 24 months. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: No lates reported on the primary subject mortgage. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID—Corrected<br>CD should have<br>been provided;<br>Change of<br>Product or<br>Product Feature<br>not disclosed at<br>least 3 business<br>days prior to<br>closing | No | Initial CD<br>XXX was not<br>provided 3<br>days prior to<br>consummation<br>date of XXX. | 05.08.2026—ICD<br>received | 05.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 785 rep score—minimum 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44% DTI—Maximum 50% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52% LTV—Maximum 80% | Complete |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Initial CD<br>XXX was not<br>provided 3<br>days prior to<br>consummation<br>date of XXX | 05.08.2026—ICD<br>received | 05.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 785 rep score—minimum 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44% DTI—Maximum 50% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52% LTV—Maximum 80% | Complete |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual &<br>Public) | No | Declaration

#XXX XXX<br>XXX.<br>Appraisal<br>completed<br>XXX. Provide<br>PDI report<br>verifying no<br>damage. | 5/6/2026:<br>Received<br>5/4/2026<br>PDI—no damage. | 5/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 785 rep score—minimum 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44% DTI—Maximum 50% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52% LTV—Maximum 80% | Complete |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Received BPO<br>supporting value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has a two year history of bonus income, did not use <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @5.32% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has a two year history of bonus income, did not use <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @5.32% | Complete |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 mid score > min required of 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have 26 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 mid score > min required of 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have 26 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>all<br>income<br>docs for<br>B2 to<br>support<br>$8456.93<br>per<br>month for<br>most<br>recent 2<br>years.<br>Including<br>but not<br>limited<br>to:<br>VVOE/<br>Business<br>search. | 5/4/2026:<br>Received<br>2024/2023<br>1040s and<br>VVOE. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 158 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 805 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $56,733.77 (15.96 months PITIA reserves) > min required reserves of 0 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification of<br>employment<br>missing | No | Missing<br>VVOE/<br>Business<br>search or<br>B2. | 5/4/2026:<br>Received<br>2024/2023<br>1040s and<br>VVOE. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 158 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 805 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $56,733.77 (15.96 months PITIA reserves) > min required reserves of 0 months. | Complete |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Missing<br>all<br>income<br>docs for<br>B2 to<br>support<br>$8456.93<br>per<br>month for<br>most<br>recent 2<br>years.<br>Including<br>but not<br>limited<br>to:<br>VVOE/<br>Business<br>search<br>and<br>schedule<br>E/Lease<br>for<br>Rental<br>property. | 5/4/2026:<br>Received<br>2024/2023<br>1040s and<br>VVOE. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 158 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 805 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $56,733.77 (15.96 months PITIA reserves) > min required reserves of 0 months. | Complete |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Missing<br>all<br>income<br>docs for<br>B2 to<br>support<br>$8456.93<br>per<br>month for<br>most<br>recent 2<br>years.<br>Including<br>but not<br>limited<br>to:<br>VVOE/<br>Business<br>search. | 5/4/2026:<br>Received<br>2024/2023<br>1040s and<br>VVOE. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 158 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 805 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $56,733.77 (15.96 months PITIA reserves) > min required reserves of 0 months. | Complete |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 158 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 805 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $56,733.77 (15.96 months PITIA reserves) > min required reserves of 0 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 158 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 805 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $56,733.77 (15.96 months PITIA reserves) > min required reserves of 0 months. | Complete |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Provide<br>funding<br>VVOE for<br>B2 dated<br>within ten<br>business<br>days or<br>Alt Doc<br>allowed<br>per DU<br>Item #17<br>of the<br>findings.<br>The<br>paystub in<br>the file<br>dated<br>1/30/2026,<br>expired<br>2/20/2026.<br>Loan<br>closed<br>XXX | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 20+ years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 800 mid score > min required of 620 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 17+ years at current job | Complete |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 20+ years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 800 mid score > min required of 620 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 17+ years at current job | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 20+ years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 800 mid score > min required of 620 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 17+ years at current job | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Missing<br>CD's.<br>Please<br>provide<br>the<br>following<br>missing<br>CD dated<br>XXX.<br>Please<br>provide<br>the<br>following<br>missing<br>PCCD<br>dated<br>XXX. | 05.08.2026<br>-Attestation<br>that no CD<br>issued after<br>XXX.<br>Comp ease<br>erroneously<br>propulates<br>a PCD for<br>purpose of<br>re running<br>a report. | 05.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 15 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 816 fico exceeds minimum 620 fico <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 76.17% LTV below guideline requirements of 95% per program. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 mortgage history, consumer debts are paid as agreed, no public records or derogs. | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | 1.Missing<br>the 12<br>month<br>mortgage<br>payment<br>history for<br>the<br>property<br>on XXX.<br>2.Missing<br>proof of<br>insurance<br>and HOA<br>totaling<br>$127.12<br>for the<br>property<br>on XXX<br>and proof<br>of<br>Insurance<br>and HOA<br>for the<br>property<br>on XXX<br>as only<br>proof of<br>the<br>property<br>taxes are<br>in file for<br>both<br>properties. | 5/6/2026:<br>Received<br>payment<br>history,<br>HOI and<br>HOA info<br>on both<br>REOs. | 5/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 15 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 816 fico exceeds minimum 620 fico <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 76.17% LTV below guideline requirements of 95% per program. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 mortgage history, consumer debts are paid as agreed, no public records or derogs. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received BPO.<br>Value supported<br>within tolerance,<br>variance is<br>-3.03%. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 15 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 816 fico exceeds minimum 620 fico <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 76.17% LTV below guideline requirements of 95% per program. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 mortgage history, consumer debts are paid as agreed, no public records or derogs. | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received BPO.<br>Value supported<br>within tolerance,<br>variance is<br>-3.03%. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 15 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 816 fico exceeds minimum 620 fico <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 62 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 76.17% LTV below guideline requirements of 95% per program. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 mortgage history, consumer debts are paid as agreed, no public records or derogs. | Complete |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>proof of<br>payoff at<br>or before<br>closing for<br>Auto<br>account<br>ending in

#XXX<br>with XXX<br>Bank with<br>a balance<br>of<br>$15,611.<br>None of<br>the bank<br>statements<br>in the file<br>show the<br>balance<br>withdrawn<br>and Final<br>CD does<br>not show<br>paid at<br>closing. | 5/4/2026:<br>Received<br>income info.<br>Summary shows<br>$8,353.18 base<br>income and<br>$1,197.95/month<br>Other Income.<br>Other income is<br>verified as XXX<br>on WVOE. DTI<br>is 43.27% with<br>XXX auto loan<br>included in DTI. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 11+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $94,013.8 / 24.82 months PITI > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Compliance | Federal<br>Consumer<br>Protection | Active C | CMPFDCP3206 | NMLS<br>License<br>verification<br>found<br>Loan<br>Originator<br>Name does<br>not match<br>ID | Yes | The<br>individual<br>loan<br>originator<br>reflected<br>on loan<br>documents<br>(1003,<br>Note,<br>DOT) as<br>XXX<br>NMLSR<br>ID# XXX<br>does not<br>match the<br>Consumer<br>Access/<br>NMLS<br>website.<br>The<br>NMLSR<br>ID# XXX<br>is under<br>the name<br>of XXX.<br>Per<br>NMLS<br>site, XXX<br>NMLS ID

# is XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 11+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $94,013.8 / 24.82 months PITI > min required of $0.00. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Credit | DTI | Satisfied C A | CRDDTI187 | Debt<br>Ratio ><br>50% | No | Missing<br>proof of<br>payoff at<br>or before<br>closing<br>for Auto<br>account<br>ending in

#XXX<br>with XXX<br>Bank with<br>a balance<br>of<br>$15,611.<br>None of<br>the bank<br>statements<br>in the file<br>show the<br>balance<br>withdrawn<br>and Final<br>CD does<br>not show<br>paid at<br>closing. | 5/4/2026:<br>Received<br>income info.<br>Summary shows<br>$8,353.18 base<br>income and<br>$1,197.95/month<br>Other Income.<br>Other income is<br>verified as XXX<br>on WVOE. DTI<br>is 43.27% with<br>XXX auto loan<br>included in DTI. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 11+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $94,013.8 / 24.82 months PITI > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 11+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $94,013.8 / 24.82 months PITI > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 11+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $94,013.8 / 24.82 months PITI > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: CLTV 82% lower than maximum allowed 90% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 736 exceeds guidelines requirement of 640. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 34.16% lower than maximum allowed 45% | Complete |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: CLTV 82% lower than maximum allowed 90% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 736 exceeds guidelines requirement of 640. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 34.16% lower than maximum allowed 45% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 50 months <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 738 FICO exceeds 620 minimum | Complete |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @12.10% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 25 months mortgage payment history 0x30 | Complete |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @12.10% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 25 months mortgage payment history 0x30 | Complete |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | FEMA | Active C | PRVAFEMA858 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Individual &<br>Public) | Yes | Missing<br>updated<br>inspection:<br>FEMA<br>Declaration<br>date XXX<br>and AUS<br>approval<br>XXX. PDI<br>to be<br>ordered by<br>Clayton. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @12.10% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 25 months mortgage payment history 0x30 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 36 months mortgage payment history 0x30. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 5.81% <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 180 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.30% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 792 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $11,402.51 No Reserves required <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 55%; guidelines allow 90%. | Complete |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 36 months mortgage payment history 0x30. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 5.81% <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 180 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.30% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 792 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $11,402.51 No Reserves required <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 55%; guidelines allow 90%. | Complete |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Updated<br>valuation<br>provided. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.69% DTI—Maximum 45% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 48% LTV—Maximum 80% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Rep score 801; minimum score 620 | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 4/28/2026:<br>Received<br>BPO not<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.69% DTI—Maximum 45% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 48% LTV—Maximum 80% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Rep score 801; minimum score 620 | Complete |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 4/28/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>4/28/2026:<br>Received<br>BPO<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/4/2026:<br>Received<br>2055<br>Report<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.69% DTI—Maximum 45% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 48% LTV—Maximum 80% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Rep score 801; minimum score 620 | Complete |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 749 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 36.80% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 71%; guidelines allow 80%. | Complete |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -9.09%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.69% is below guideline maximum 50%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 14 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | Complete |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -9.09%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.69% is below guideline maximum 50%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 14 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for<br>APR-Payment<br>Stream<br>Testing | No | MI Cert is<br>illegible. | 5/5/2026:<br>Received MI Cert. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.60% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 40.25% is below guideline maximum 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required but<br>MI Certificate<br>is missing | No | Received<br>illegible MI<br>cert from<br>XXX. Provide<br>legible<br>documentation<br>for review. | 5/5/2026:<br>Received MI Cert. | 5/5/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.60% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 40.25% is below guideline maximum 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD:<br>Zero<br>tolerance fee<br>or fees<br>increased at<br>or prior to<br>closing<br>without a<br>valid reason<br>or the revised<br>LE/CD was<br>not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero percent<br>tolerance fail<br>of $230.51.<br>Due to % of<br>Loan Amount<br>(Point) fee<br>added in the<br>amount of<br>$2036.54<br>(credit for<br>increase above<br>legal limit for<br>$1806.03) on<br>CD issued<br>XXX with no/<br>invalid<br>internal COC<br>in file.<br>Provide<br>Internal COC<br>reflecting<br>valid reason<br>for the fee<br>changes or<br>PCCD with<br>cure, copy of<br>cure check,<br>LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>shipping<br>method<br>including<br>tracking,<br>within 60 days<br>of discovery. | 05.05.2026 - COC<br>provided | 05.05.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.60% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 40.25% is below guideline maximum 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal<br>Deficiency | No | The file used<br>appraised<br>value $XXX<br>to yield<br>84.15% LTV -<br>which is what<br>the XXX MI<br>cert is based<br>on. The fil;e<br>has $XXX<br>appraisal and<br>SSRs<br>supporting<br>$XXX value.<br>Provide the<br>appraised at<br>$XXX value<br>and<br>corresponding<br>SSRs<br>supporting<br>value.<br>Additional<br>conditions<br>may apply. | 5/4/2026 Received<br>copy of appraisal<br>with updated value<br>to $XXX however<br>the corresponding<br>Fannie UCDP was<br>not<br>provided.5/7/2026:<br>Received FNMA<br>SSR 2.6. | 5/4/2026<br>Exception<br>remains.5/7/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.60% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 40.25% is below guideline maximum 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | 5/7/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>FNMA SSR<br>2.6. Clayton<br>to order Desk<br>Review. | 5/12/2026:<br>Received CDA<br>supporting value. | 5/12/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.60% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 40.25% is below guideline maximum 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026: Updated<br>valuation<br>provided. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 67.99% is below Guidelines 95% maximum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 38.72% is below Guidelines 45% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 790 and exceeds the minimum fico of 620 | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/5/2026:<br>Received<br>BPO not<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 67.99% is below Guidelines 95% maximum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 38.72% is below Guidelines 45% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 790 and exceeds the minimum fico of 620 | Complete |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value<br>Not<br>Supported | No | 5/5/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>5/5/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/12/2026:<br>Received<br>2055<br>Report<br>supporting<br>value. | 5/12/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 67.99% is below Guidelines 95% maximum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 38.72% is below Guidelines 45% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 790 and exceeds the minimum fico of 620 | Complete |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>CDA. LP<br>CU Score<br>in file 3.5,<br>guideline<br>requires 2.5<br>and below.<br>Clayton to<br>order<br>deskreview. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 84 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 23.12% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have30 months mortgage payment history 0x30. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 78 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 740 mid score > min required of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 13+ year at present job. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>the<br>completed<br>and<br>signed<br>federal<br>individual<br>and<br>business<br>tax<br>returns. If<br>the<br>business<br>has been<br>in<br>existence<br>five years<br>or more,<br>provide<br>individual<br>and<br>business<br>tax<br>returns<br>for the<br>most<br>recent<br>year. If<br>the<br>business<br>has been<br>in<br>existence<br>for less<br>than five<br>years,<br>provide<br>individual<br>and<br>business<br>tax<br>returns<br>for the<br>most<br>recent<br>two years. | 5/4/2026<br>Received<br>2024/2023<br>1040's<br>including<br>Schedule<br>C's. B1<br>XXX<br>earnings<br>calculated.<br>Earnings<br>calculated<br>within<br>tolerance<br>of<br>earnings<br>used by<br>lender. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 8+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 720 mid score > min required 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.93%; guidelines require 90% | Complete |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Missing<br>the<br>completed<br>and<br>signed<br>federal<br>individual<br>and<br>business<br>tax<br>returns. If<br>the<br>business<br>has been<br>in<br>existence<br>five years<br>or more,<br>provide<br>individual<br>and<br>business<br>tax<br>returns<br>for the<br>most<br>recent<br>year. If<br>the<br>business<br>has been<br>in<br>existence<br>for less<br>than five<br>years,<br>provide<br>individual<br>and<br>business<br>tax<br>returns<br>for the<br>most<br>recent<br>two years. | 5/4/2026<br>Received<br>2024/2023<br>1040's<br>including<br>Schedule<br>C's. B1<br>XXX<br>earnings<br>calculated.<br>Earnings<br>calculated<br>within<br>tolerance<br>of<br>earnings<br>used by<br>lender. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 8+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 720 mid score > min required 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.93%; guidelines require 90% | Complete |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -1.90%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 8+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 720 mid score > min required 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.93%; guidelines require 90% | Complete |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -1.90%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 8+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 720 mid score > min required 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.93%; guidelines require 90% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing<br>Rider | No | Provide<br>the PUD<br>Rider for<br>the<br>subject<br>Mortgage/DOT. | 4/27/2026:<br>Received<br>fully<br>executed<br>PUD<br>Rider. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have84 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 746 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 11+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have84 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 746 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 11+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have84 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 746 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 11+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 43.93% lower than maximum allowed 50% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 80% lower than maximum allowed 90% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 813 exceeds guidelines | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026:<br>BPO<br>recd | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 36% DTI below guidelines requirement 620 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 773 fico score exceeds guidelines 620 <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Bonus income not used to qualify | Complete |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>BPO<br>recd | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 36% DTI below guidelines requirement 620 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 773 fico score exceeds guidelines 620 <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Bonus income not used to qualify | Complete |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+5.64%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $35,281.90 verified cash reserves in file <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 33+ months payment history verified no 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 72% LTV less than guideline max 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 756 Credit Score exceeds guideline minimum 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 23.34% DTI below guideline requirement 50% | Complete |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+5.64%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $35,281.90 verified cash reserves in file <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 33+ months payment history verified no 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 72% LTV less than guideline max 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 756 Credit Score exceeds guideline minimum 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 23.34% DTI below guideline requirement 50% | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 15.89% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.17% is below guideline maximum 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $11,878.44 / 2.48 months PITIA > min required of $0 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 748 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 15.89% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.17% is below guideline maximum 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $11,878.44 / 2.48 months PITIA > min required of $0 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 748 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Right of<br>Rescission | Active C | CMPROR1911 | Incorrect<br>ROR<br>Form<br>Used—H9<br>Form<br>Used in<br>Refinance<br>With<br>Different<br>Creditor | Yes | H9<br>(increase<br>amount of<br>credit) ROR<br>form used<br>for this<br>NON-lender<br>to lender<br>refinance.<br>H8 (will<br>result in<br>mortgage)<br>was the<br>proper<br>form. Per<br>Title, first<br>lien original<br>lender was<br>XXX | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction <br>- Clayton Comments: significant total monthly debt reduction—$451 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79% LTV below guideline requirements Max 90% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 34% DTI below guideline requirement 50% Max | Complete |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | CMPTRID5806 | TRID—At<br>least 1 CD<br>prior to<br>the last<br>CD at or<br>prior to<br>closing<br>was not<br>provided<br>to all with<br>rescission<br>rights. | No | Missing CD<br>XXX for<br>non<br>borrowing<br>spouse | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.93% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has57 months mortgage payment history 0x30. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | The current<br>homeowners<br>insurance<br>policy is<br>missing for<br>the<br>non-subject<br>property<br>located at<br>XXX | 4/27/2026:<br>Received<br>HOI for<br>REO. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.93% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has57 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.93% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has57 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.93% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26% is below guideline maximum 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has57 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 772 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79.94% LTV below guideline requirements of 95% per program. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 28 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 772 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79.94% LTV below guideline requirements of 95% per program. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 28 months. | Complete |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 782 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $11,831.64 (4.56 months PITIA reserves) > min required reserves of 0 months. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 386 months > max permitted of 0 X 30 X 12 months. | Complete |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/5/2026:<br>Received<br>BPO not<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 58.23%; guidelines allow 80%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/5/2026:<br>Received<br>BPO not<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 58.23%; guidelines allow 80%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property Value<br>Not Supported | Yes | 5/5/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>5/5/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 58.23%; guidelines allow 80%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>most recent<br>filed tax<br>return for<br>co-borrowers<br>XXX<br>income. | 5/6/2026:<br>Received 2024<br>1040s: $40,302<br>net + $5, 3247<br>use of<br>home—$75<br>meals /12 =<br>$3,797.83/month<br>net | 5/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 61.94% is below the guideline max of 90%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 36.56% is below guideline max of 50%. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: 0 x 30 in 50 months | Complete |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing<br>most recent<br>filed tax<br>return for<br>co-borrowers<br>XXX<br>income.<br>2025<br>1099-NEC<br>provided<br>only. | 5/6/2026:<br>Received 2024<br>1040s: $40,302<br>net + $5, 3247<br>use of<br>home—$75<br>meals /12 =<br>$3,797.83/month<br>net | 5/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 61.94% is below the guideline max of 90%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 36.56% is below guideline max of 50%. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: 0 x 30 in 50 months | Complete |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>score is ><br>2.5. Clayton<br>to order desk<br>review. | 5/4/2026<br>Received desk<br>review. Variance<br>of 0% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 61.94% is below the guideline max of 90%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 36.56% is below guideline max of 50%. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: 0 x 30 in 50 months | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | State<br>Consumer<br>Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred<br>Lend<br>Database - No<br>Cert of<br>Compliance<br>or Cert of<br>Exemption in<br>file | No | Missing Cert<br>of<br>Compliance<br>or Cert<br>Exemption. | 05.08.2026—Cert<br>of comp received | 05.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 6.82% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $41,478.99 / 7.57 months PITIA > min required of $0.00. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 795 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 36.24% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $4483.54<br>due to<br>Discount Fees<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 05.08.2026—COC<br>provided | 05.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 6.82% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $41,478.99 / 7.57 months PITIA > min required of $0.00. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 795 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 36.24% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation<br>supporting<br>appraisal<br>value.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026 Received<br>desk review.<br>Variance of 0%<br>within tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 6.82% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $41,478.99 / 7.57 months PITIA > min required of $0.00. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 795 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 36.24% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing the<br>most recent 2<br>years<br>completed<br>and signed<br>federal<br>individual and<br>business tax<br>returns as<br>required per<br>AUS. | 5/5/2026:<br>Received<br>2024/2023 1120<br>and 1040s. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 62.29% LTV below guideline requirements of 95% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 758 exceeds the guideline program minimum of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Business<br>tax<br>returns<br>for the<br>most<br>recent 2<br>years<br>completed<br>and<br>signed<br>federal<br>individual<br>and<br>business<br>tax<br>returns as<br>required<br>per AUS. | 5/5/2026: Received<br>2024/2023 1120 and<br>1040s. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 62.29% LTV below guideline requirements of 95% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 758 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026: Received<br>BPO supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 62.29% LTV below guideline requirements of 95% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 758 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026: Received<br>BPO supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 56 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 62.29% LTV below guideline requirements of 95% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 758 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Missing<br>LE's and<br>CD's.<br>Please<br>provide<br>the<br>following<br>LE's<br>dated<br>XXX &<br>XXX.<br>Please<br>provide<br>the<br>following<br>CD dated<br>XXX.<br>Please<br>provide<br>the<br>following<br>PCCD<br>dated<br>XXX. | 05.05.2026—Missing<br>disclosures provided | 05.05.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 20 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.76% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower score is 797. Minimum score per program is 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 20 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.76% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower score is 797. Minimum score per program is 620. | Complete |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 20 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.76% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower score is 797. Minimum score per program is 620. | Complete |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 8.32% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower score is 758. Minimum score per program is 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.26% is below guideline maximum 50%. | Complete |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Credit/<br>Mtg<br>History | Satisfied B A | CRDCRMH3000 | # of<br>Tradelines<br>Does Not<br>Meet<br>Guideline<br>Requirements | No | Credit<br>report is<br>illegible.<br>Please<br>provide<br>legible<br>docs. | 5/11/2026:<br>Received<br>legible<br>credit<br>report. | 5/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower 2 has additional documented income not used in qualifying. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 8 years. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH183 | Credit<br>report<br>incomplete | No | Credit<br>report<br>illegible. | 5/11/2026:<br>Received<br>legible<br>credit<br>report. | 5/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower 2 has additional documented income not used in qualifying. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 8 years. | Complete |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower 2 has additional documented income not used in qualifying. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 8 years. | Complete |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower 2 has additional documented income not used in qualifying. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job of 8 years. | Complete |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 37 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 803 exceeds the guideline program minimum of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $49,606.88 or 2058 months PITI . No reserves are required per AUS in file + XXX open 30 day $9,576. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved/<br>Clayton to<br>order BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 37 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 803 exceeds the guideline program minimum of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $49,606.88 or 2058 months PITI . No reserves are required per AUS in file + XXX open 30 day $9,576. | Complete |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3706 | TRID—Curable<br>Issue #1 related<br>to the Closing<br>Disclosure in<br>file | No | Final CD<br>shows 151.23<br>HOI Escrow.<br>The HOI for<br>the subject on<br>page 458<br>shows $3766<br>annual<br>premium =<br>$313.83/month<br>escrow.<br>Provide<br>corrected CD<br>with LOX and<br>proof sent to<br>the borrowers. | 5/7/2026:<br>Received<br>new HOI<br>provided<br>dated<br>prior to<br>Note<br>showing<br>$1,814<br>annual<br>premium. | 5/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have40 months mortgage payment history 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 78.98%; guidelines allow 90%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.03% <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower 2 has 24+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 5/5/2026:<br>Updated<br>valuation<br>provided. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have40 months mortgage payment history 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 78.98%; guidelines allow 90%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.03% <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower 2 has 24+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/5/2026:<br>Received<br>BPO not<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have40 months mortgage payment history 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 78.98%; guidelines allow 90%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.03% <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower 2 has 24+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 5/5/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>5/5/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 5/12/2026:<br>Received<br>2055<br>report<br>supporting<br>value. | 5/12/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have40 months mortgage payment history 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 78.98%; guidelines allow 90%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.03% <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower 2 has 24+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 58.94% LTV below guideline requirements Max 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 793 credit score exceeds guidelines minimum of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $55,418.93 exceed $0.00 required. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 58.94% LTV below guideline requirements Max 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 793 credit score exceeds guidelines minimum of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $55,418.93 exceed $0.00 required. | Complete |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.95% DTI < max permitted of 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 724 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $5,062.93 (2.81 months PITIA reserves) > min required reserves of $0 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0 x 30 in 84 months, | Complete |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.95% DTI < max permitted of 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 724 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $5,062.93 (2.81 months PITIA reserves) > min required reserves of $0 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0 x 30 in 84 months, | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>evidence<br>of<br>additional<br>$415.15<br>monthly<br>fees for<br>property<br>at XXX,<br>as<br>qualified<br>with. Per<br>mortgage<br>bill<br>provided<br>monthly<br>payment<br>is<br>escrowed<br>for T&I<br>for total<br>of<br>$733.00. | 5/5/2026:<br>Received<br>updated<br>1008 and<br>AUS. DTI<br>still<br>within<br>tolerance. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 74.64% is below guidelines 95% maximum. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 credit score exceeds program minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of<br>non-subject<br>PITI | No | Provide<br>evidence<br>of<br>additional<br>$415.15<br>monthly<br>fees for<br>property<br>at XXX,<br>as<br>qualified<br>with. Per<br>mortgage<br>bill<br>provided<br>monthly<br>payment<br>is<br>escrowed<br>for T&I<br>for total<br>of<br>$733.00. | 5/5/2026:<br>Received<br>updated<br>1008 and<br>AUS. DTI<br>still<br>within<br>tolerance. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 74.64% is below guidelines 95% maximum. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 credit score exceeds program minimum of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR)<br> D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 74.64% is below guidelines 95% maximum. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 credit score exceeds program minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>clayton to<br>order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 74.64% is below guidelines 95% maximum. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 credit score exceeds program minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 772 > min required score of 620. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 X over 60 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 347 months > max permitted of 0 X 30 X 12 months. | Complete |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 772 > min required score of 620. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 X over 60 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 347 months > max permitted of 0 X 30 X 12 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +0.10%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +0.10%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10+ years at present job | Complete |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers not heavy credit users and no delinquencies reflected on credit report. <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Both borrowers possess ability for higher earnings given the industry each are employed through. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Each borrower has been with current employer greater than 5 years. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers not heavy credit users and no delinquencies reflected on credit report. <br>CFCFS1750: High potential for increased earnings <br>- Clayton Comments: Both borrowers possess ability for higher earnings given the industry each are employed through. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Each borrower has been with current employer greater than 5 years. | Complete |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 23.60% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 781 exceeds 620 minimum required. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been at current job for 10 years 6 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves in the amount of $32,867.85 exceed $0 required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 56.99% is below the guideline maximum of 95%. | Complete |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 23.60% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 781 exceeds 620 minimum required. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been at current job for 10 years 6 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves in the amount of $32,867.85 exceed $0 required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 56.99% is below the guideline maximum of 95%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-2.55%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 157 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ .69% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have59 months mortgage payment history 0x30. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.12% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 90%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $12,524.90 | Complete |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-2.55%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 157 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ .69% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have59 months mortgage payment history 0x30. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 15.12% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 90%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $12,524.90 | Complete |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 790 mid score > min required of 620. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.25% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 37.39% is below guideline maximum 45%. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $23,473.47 exceed min required of $0. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.75% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $23,473.47 exceed min required of $0. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.75% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW,<br>Clayton<br>to<br>provide<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +0.91%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79.82% below guideline 95% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31.53% below guideline requirement 45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 32+ months positive mortgage payment history with 0x30 lates <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 FICO exceeds guideline minimum 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified cash reserves $8,357.32 exceed guideline requirement of $0 | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 5/4/2026 Received<br>BPO. Variance of<br>+0.91% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79.82% below guideline 95% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31.53% below guideline requirement 45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 32+ months positive mortgage payment history with 0x30 lates <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 FICO exceeds guideline minimum 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified cash reserves $8,357.32 exceed guideline requirement of $0 | Complete |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID—CD: The<br>Will Not Have an<br>Escrow Account in<br>the CD Loan<br>Disclosures section<br>is selected and both<br>or neither of You<br>declined it and/or<br>Your lender does not<br>offer one are selected | No | Final CD<br>XXX Loan<br>Disclosure<br>Will not have<br>an Escrow<br>account does<br>not select<br>You declined<br>it and/or<br>Your lender<br>does not offer<br>one | 05.05.2026—LOX<br>and PCCD received | 05.05.2026<br>-Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 11.73% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 17 years and 3 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 730 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | LCA<br>returned 4<br>score.<br>Clayton to<br>order Desk<br>Review | 5/4/2026 Received<br>desk review.<br>Variance of 0%<br>within tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 10.50% <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: 780 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $97,130.19 / 12.63 months PITIA > min required of $0.00. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 28.80% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR—Disbursement<br>date is before end of<br>statutory rescission<br>period | No | Final CD<br>disbursement<br>date XXX.<br>ROR<br>expiration<br>date XXX.<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period. | 4.28.2026—Missing<br>CD received with<br>DD of XXX. | 4.28.2026<br>-Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 714 credit score exceeds minimum requirement of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.54% DTI is below guideline max of 45% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 714 credit score exceeds minimum requirement of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.54% DTI is below guideline max of 45% | Complete |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 714 credit score exceeds minimum requirement of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.54% DTI is below guideline max of 45% | Complete |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 99 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 X over 60 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 806 > min required score of 620. | Complete |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 99 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 X over 60 months > max permitted of 0 X 30 X 12 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 806 > min required score of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 20.27% is below guideline maximum 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 808 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 66.44%; guidelines allow 97%. | Complete |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score of<br>>2.5 or<br>none.<br>Clayton to<br>order<br>Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 20.27% is below guideline maximum 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 808 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 66.44%; guidelines allow 97%. | Complete |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 794 credit score exceeds guidelines 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 18 years at current job <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42 DTI max 45% | Complete |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 815 / 790 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #333 months, Credit ratio 4.74% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 3 years. XXX 8/1/22 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 5/5/2026:<br>Received<br>SH status. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 815 / 790 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #333 months, Credit ratio 4.74% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 3 years. XXX 8/1/22 | Complete |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU—4, score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 815 / 790 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #333 months, Credit ratio 4.74% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 3 years. XXX 8/1/22 | Complete |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 802 median FICO. Min required 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 6.67 years. | Complete |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 802 median FICO. Min required 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 6.67 years. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is approved PIW.<br>Clayton to order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 802 median FICO. Min required 620. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 6.67 years. | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate Business<br>Disclosure missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 60.79%; guidelines allow 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 759 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.48% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing the lender's<br>ATR/ QM Status. | 5/13/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 60.79%; guidelines allow 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 759 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.48% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Rental income is<br>missing for the<br>following properties<br>detailed with rental<br>income considered on<br>the<br>1003:XXX,XXX,XXX,<br>XXX, and XXX.<br>Document rental<br>income for each<br>property according to<br>guidelines. | 5/4/2026:<br>Received<br>2024<br>1040s<br>with<br>Schedule<br>E showing<br>all REOs<br>Rental<br>income. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30 no derogatory marks <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 fico exceeds 620 minimum fico <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10 years in the XXX. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 9 years in the XXX <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Rental income is<br>missing for the<br>following properties<br>detailed with rental<br>income considered on<br>the<br>1003:XXX,XXX,XXX,<br>XXX, and XXX.<br>Document rental<br>income for each<br>property according to<br>guidelines. | 5/4/2026:<br>Received<br>2024<br>1040s<br>with<br>Schedule<br>E showing<br>all REOs<br>Rental<br>income. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30 no derogatory marks <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 fico exceeds 620 minimum fico <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10 years in the XXX. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 9 years in the XXX <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks | Complete |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 63.23% is below 95% maximum. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 30.07% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 790 mid score > min required of 660. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $89,955.96 and exceed $0 required. | Complete |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing Affiliate<br>Business Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 36% DTI below guideline max 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 806 fico score exceeds guidelines 620 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 34 years at current residence | Complete |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW approved,<br>Clayton to order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 21 % DTI max DTI 45 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 7 fico score exceeds guidelines 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 21 % DTI max DTI 45 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 7 fico score exceeds guidelines 620 | Complete |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>2023 and<br>2024<br>1040,1120s,<br>K1, and<br>W2's.One<br>year<br>required,<br>per DU<br>AUS, but<br>according<br>to lender<br>income<br>worksheet,<br>lender used<br>2023 and<br>2024 and<br>calculated<br>$57,537.00. | 5/5/2026<br>Received<br>2024/2023<br>1040's/<br>K1's/<br>1120S.<br>XXX<br>earnings<br>used to<br>qualify<br>supported. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 58 months <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 21 years in XXX <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit Line Usage Ratio 3% | Complete |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing<br>2023 and<br>2024<br>1040,1120s,<br>K1, and<br>W2's.One<br>year<br>required,<br>per DU<br>AUS, but<br>according<br>to lender<br>income<br>worksheet,<br>lender used<br>2023 and<br>2024 and<br>calculated<br>$57,537.00 | 5/5/2026<br>Received<br>2024/2023<br>1040's/<br>K1's/<br>1120S.<br>XXX<br>earnings<br>used to<br>qualify<br>supported. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 58 months <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 21 years in XXX <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit Line Usage Ratio 3% | Complete |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3262 | Property<br>issues<br>indicated | No | Appraisal<br>reflects<br>property<br>rights as<br>"leasehold"<br>and title<br>reflects<br>"Fee<br>Simple" | 4/27/2026:<br>received<br>corrected<br>appraisal<br>to Fee<br>Simple. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 8.15% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 57 months mortgage payment history 0x30 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Validation if<br>file has no<br>value<br>(Freddie<br>SSR), Clayton<br>to order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 8.15% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 57 months mortgage payment history 0x30 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $84,679.06 or 11.80 months of PITI. No required reserves. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 708 credit score; minimum required 620 FICO <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines, 15.75% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower owned the departing primary residence 5.08 years | Complete |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>lenders initial<br>ATR/QM<br>status<br>determination. | 5/12/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/12/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $155,998.98 > min required reserves of $0 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 224 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.47% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 23% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 729 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $155,998.98 > min required reserves of $0 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 224 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.47% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 23% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 729 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $155,998.98 > min required reserves of $0 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 224 months. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.47% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 23% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 729 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID—Corrected<br>CD should have<br>been provided;<br>Change of<br>Product or<br>Product Feature<br>not disclosed at<br>least 3 business<br>days prior to<br>closing | No | Please<br>provide<br>initial<br>CD. | 5.5.2026—ICD<br>received | 5.5.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 99 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower score is 759. Minimum score per program is 620. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Please<br>provide<br>initial CD. | 5.5.2026—ICD<br>received | 5.5.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 99 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower score is 759. Minimum score per program is 620. | Complete |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID4579 | TRID—CD:<br>Missing Initial<br>CD | No | Please<br>provide<br>initial CD. | 5.5.2026—ICD<br>received | 5.5.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 99 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower score is 759. Minimum score per program is 620. | Complete |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents do<br>not meet<br>guideline<br>requirements | No | Provide a<br>signed<br>4506C for<br>both<br>borrowers.<br>The copies<br>in the file<br>are not<br>signed/<br>dated. | 4/27/2026:<br>Received fully<br>executed<br>4506C for both<br>borrowers. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 99 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower score is 759. Minimum score per program is 620. | Complete |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Provide the<br>final signed<br>closing<br>disclosure<br>from sale of<br>home XXX<br>supporting<br>amount of<br>net equity<br>used<br>$215,087.01.<br>The equity<br>settlement<br>statement on<br>page 728<br>provided is<br>an estimate. | 5/5/2026:<br>Received Final<br>Net Equity<br>stmnt. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.22% is below guideline maximum 45%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 7.47% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30,0x60,0x90 for 33 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below guidelines maximum of 95%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.22% is below guideline maximum 45%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 7.47% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30,0x60,0x90 for 33 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below guidelines maximum of 95%. | Complete |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $36817.67 or 9.22 months of P&I <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Other income and bonus income not used to qualify <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 774 fico score exceeds guidelines of 620 | Complete |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have owned the subject 26.5 years <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30x39 mortgage payment history <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects oldest tradeline 2/1993, reporting 0x30 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 778 mid score > min required of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 32.50% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below maximum of 95%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 14+ years at present job. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $122,804.25 exceed $0 required. | Complete |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>Affiliate<br>Business<br>Disclosure.<br>FACT<br>Sheet<br>shows<br>affiliates. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrowers has $83,719.57/26.75 PITI which is > guideline minimum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 180 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 27.76% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. | Complete |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrowers has $83,719.57/26.75 PITI which is > guideline minimum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 180 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 27.76% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrowers has $83,719.57/26.75 PITI which is > guideline minimum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 180 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 27.76% is below the guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. | Complete |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used—H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | H8 Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor<br>H9 Form<br>should be<br>used. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Current employer/business for 11 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 777 fico exceeds minimum 620 fico. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks | Complete |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Borrower LTV of 80% is less than the max allowed of 95%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $26,856.90 or 6.09 months of PITIA. No reserves are required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower credit score of 792 exceeds the min requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI of 13.77% is less than the max allowed of 45%. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Borrower LTV of 80% is less than the max allowed of 95%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $26,856.90 or 6.09 months of PITIA. No reserves are required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower credit score of 792 exceeds the min requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI of 13.77% is less than the max allowed of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | Missing<br>hazard<br>insurance<br>renewal<br>declarations<br>with<br>effective<br>dateXXX-<br>XXX to<br>verify<br>coverage.<br>File<br>contains<br>invoice for<br>the renewal<br>and proof<br>of payment<br>of $XXX<br>on the CD. | 5/13/2026:<br>Received<br>renewal<br>dec page<br>through<br>XXX. | 5/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have168 months mortgage payment history 0x30. <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has 24 month average bonus income of $1,553.98 per month not used to qualify. ($22,295.52 + $15,000 = $37,295.52 / 24 = $1,553.98) <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.08% | Complete |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have168 months mortgage payment history 0x30. <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has 24 month average bonus income of $1,553.98 per month not used to qualify. ($22,295.52 + $15,000 = $37,295.52 / 24 = $1,553.98) <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.08% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/5/2026: Received BPO<br>supporting value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have168 months mortgage payment history 0x30. <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower has 24 month average bonus income of $1,553.98 per month not used to qualify. ($22,295.52 + $15,000 = $37,295.52 / 24 = $1,553.98) <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 9.08% | Complete |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80% below 95% max guideline. <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower makes RSU and Bonus income and is not needed to qualify. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying credit score 715 exceeds 620 min credit score. | Complete |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 5/7/2026: Received fee<br>info. Still need lender<br>QM<br>determination.5/13/2026:<br>Received Safe Harbor<br>status. | 5/7/2026:<br>Exception<br>remains.5/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @3.71% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 12+ years at current job | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 48 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 35.42% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of 248,766.12 exceed $0 required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 765 exceeds minimum required of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of 248,766.12 exceed $0 required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 765 exceeds minimum required of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. | Complete |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of -0.46%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 14 years at primary residence <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 773 mid score > min required of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order<br>BPO. | 5/5/2026 Received<br>BPO. Variance of<br>-0.46% within<br>tolerance. | 5/5/2026 Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 14 years at primary residence <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 773 mid score > min required of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. | Complete |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing the<br>Affiliate<br>Business<br>Disclosure.<br>FACTS is<br>not<br>acceptable to<br>Client. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 35 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 25.76% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have24 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID—Seller<br>CD not in<br>file; need in<br>order to<br>complete fee<br>entry | No | Missing the<br>Seller CD so<br>full<br>verification<br>of seller paid<br>fees is not<br>possible. | 05.12.2026—Client<br>provided Seller CD<br>XXX | 05.12.2026—Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 35 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 25.76% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have24 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>lender Safe<br>Harbor status<br>determination | 5/12/2026:<br>Received Safe<br>Harbor status. | 5/12/2026: Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 35 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 25.76% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have24 months mortgage payment history 0x30. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Received BPO<br>supporting value. | 4/28/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 35 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 25.76% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have24 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received BPO<br>supporting value. | 4/28/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 35 years. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 25.76% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have24 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5740 | TRID—CD:<br>In the CD<br>Projected<br>Payments<br>section the<br>Estimated<br>Taxes,<br>Insurance<br>and<br>Assessments<br>= $0 or Null | No | CD: XXX-<br>Estimated<br>Taxes,<br>Insurance &<br>Assessments,<br>Value: $0.00<br>monthly per<br>form | 05.05.2026—LOX<br>and PCCD<br>received | 05.05.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 787 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is 39.41%, guideline is 45% <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usuage of available revolving credit lines @ 14.26% | Complete |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5742 | TRID—CD:<br>In the CD<br>Escrow<br>section, You<br>will not<br>have an<br>escrow<br>account is<br>indicated,<br>but<br>[Estimated<br>Property<br>Costs over<br>Year 1] = $0<br>or Null | No | CD: XXX:<br>Loan<br>Disclosures,<br>Field:<br>Estimated<br>Costs Over<br>Year 1,<br>Value: $0.00 | 05.05.2026—LOX<br>and PCCD<br>received | 05.05.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 787 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is 39.41%, guideline is 45% <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usuage of available revolving credit lines @ 14.26% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+2.20%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 787 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is 39.41%, guideline is 45% <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usuage of available revolving credit lines @ 14.26% | Complete |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+2.20%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 787 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is 39.41%, guideline is 45% <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usuage of available revolving credit lines @ 14.26% | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 5/8/2026:<br>Received<br>safe<br>harbor<br>status. | 5/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 736 Mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower have 38 months mortgage payment history 0x30 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 35+ years at current employer | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>score 3.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 736 Mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower have 38 months mortgage payment history 0x30 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 35+ years at current employer | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>>2.5.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026<br>Received desk<br>review. Variance<br>of 0% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 74.66%; guidelines allow 95%. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower 1 has been in same profession for 10 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 778 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Credit | Assets | Active C | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | Yes | Received<br>estimated<br>Sellers<br>Statement<br>(CD) for<br>sale of<br>XXX,<br>settlement<br>date of<br>XXX.<br>Provide<br>final signed<br>closing<br>disclosure<br>confirming<br>minimum of<br>$122,835.90<br>net<br>proceeds<br>from<br>closing to<br>this<br>transaction.<br>Estimate in<br>file shows<br>much<br>higher net<br>and is not<br>signed or<br>stamped<br>certified<br>true copy. | 5/4/2026<br>Received Final<br>seller statement<br>for sale of XXX<br>however the<br>statement is not<br>executed or<br>stamped as<br>certified by title<br>agent. Provide a<br>fully executed<br>statement or<br>certified copy for<br>review.5/11/2026:<br>Received LOX<br>stating seller not<br>required to sign.<br>The Settlement<br>agent is required.<br>Provide the Final<br>Seller statement<br>signrd by<br>Settlement Agent<br>or certified true<br>copy. | 5/4/2026<br>Exception<br>remains.5/11/2026:<br>Exception remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 767 exceeds required FICO of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 41.22% is lower than max DTI allowed 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, B1 has been with current employer since 1/13/14. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 mortgage history since July 2015. | Complete |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026<br>Received BPO.<br>Variance of<br>+7.44% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 767 exceeds required FICO of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 41.22% is lower than max DTI allowed 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, B1 has been with current employer since 1/13/14. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 mortgage history since July 2015. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+7.44%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 767 exceeds required FICO of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI of 41.22% is lower than max DTI allowed 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, B1 has been with current employer since 1/13/14. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 0x30 mortgage history since July 2015. | Complete |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Active B | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | Appraisal<br>is made<br>subject to<br>asphalt<br>driveway &<br>landscaping<br>being<br>complete.<br>Missing<br>final<br>inspection<br>1004D. Per<br>Contract<br>Addendum

#1—this<br>will be<br>completed<br>no later<br>than<br>5/31/2026.<br>This does<br>not affect<br>ability to<br>occupy<br>residence. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio 2.70%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 36.16, per DU max up to 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Lower Mid Fico score 796, minimum allowed 620. | Complete |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>2.6.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio 2.70%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 36.16, per DU max up to 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Lower Mid Fico score 796, minimum allowed 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 814 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #242 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer > 6 years | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 814 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #242 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer > 6 years | Complete |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | State<br>Consumer<br>Protection | Active B | CMPSTCP117 | OH CSPA;<br>Home<br>Mortgage<br>Information<br>Document<br>not<br>provided | No | Missing<br>signed<br>Home<br>Mortgage<br>Information<br>Document | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 0% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.90% is below Guidelines maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 814 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has 18 years in line of work <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $388032.78 > min required of $0 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 0% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.90% is below Guidelines maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 814 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has 18 years in line of work <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $388032.78 > min required of $0 | Complete |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject<br>Photos<br>Unacceptable | No | Appraisal<br>report<br>shows<br>blanks<br>for all<br>subject<br>photos. | 5/5/2026<br>Received<br>fully<br>legible<br>copy of<br>appraisal. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $42322.64 exceed the required assets. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower revolving credit is well below the maximum available. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Both borrower's have exceptional credit scores and no negative credit impacts. | Complete |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal<br>Deficiency | No | Appraisal<br>report<br>has<br>blanks<br>for<br>Building<br>Sketch,<br>Location<br>Map,<br>XXX<br>County<br>Property<br>Map,<br>Flood<br>Map.<br>Provide<br>complete<br>appraisal<br>copy. | 5/5/2026<br>Received<br>fully<br>legible<br>copy of<br>appraisal. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $42322.64 exceed the required assets. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower revolving credit is well below the maximum available. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Both borrower's have exceptional credit scores and no negative credit impacts. | Complete |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR167 | Appraisal not<br>Signed | No | Provide<br>updated<br>report<br>with<br>Appraiser<br>signature<br>on page 6<br>of 6. | 5/5/2026<br>Received<br>fully<br>legible<br>copy of<br>appraisal. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $42322.64 exceed the required assets. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower revolving credit is well below the maximum available. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Both borrower's have exceptional credit scores and no negative credit impacts. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos<br>Unacceptable | No | All comp<br>photos are<br>blanks. | 5/5/2026<br>Received<br>fully<br>legible<br>copy of<br>appraisal. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $42322.64 exceed the required assets. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower revolving credit is well below the maximum available. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Both borrower's have exceptional credit scores and no negative credit impacts. | Complete |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 775 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $82,864.79 / 22.95 months PITI > min required of $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 16.63% <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 360+ months. | Complete |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower have a 2% utilzation rate on revolving credit. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative credit score is 815, guidelines require 640. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42.17% DTI, program allows 50%. | Complete |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or AUS<br>errors<br>present | No | Unable to<br>determine if<br>loan was<br>approved<br>DU AUS,<br>or LP<br>AUS.DU<br>AUS date<br>XXX with<br>time stamp<br>12:31PMLP<br>AUS date<br>XXX with<br>time stamp<br>16:47PM If<br>LP AUS<br>approved,<br>additional<br>assets not<br>required.<br>But,<br>FHLMC<br>UCDP<br>LCA is 3.5,<br>so Desk<br>review is<br>required | 5/5/2026:<br>Lender<br>verified<br>LP was<br>used. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 38.51 below 45 max <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 760 FICO exceeds 620 minimum | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | 5/5/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>LCA<br>score 3.5.<br>Clayton<br>to order<br>Desk<br>Review. | 5/7/2026:<br>Received<br>CDA<br>supporting<br>value. | 5/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 38.51 below 45 max <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 760 FICO exceeds 620 minimum | Complete |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below guidelines 97% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 705 exceeds minimum guideline requirement of 620. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: The borrower has been in the same profession for 10 years <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves of $91,756.21 exceed $0 required. | Complete |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job 6.17 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has 5.92 years at current job <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects oldest tradeline 10/16/1986, reporting 0x30 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 Credit score; minimum required 620 FICO | Complete |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Additional documented bonus and overtime income for borrower 2 was not used in qualifying. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job of 12 years and 6 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 77.66 %; guidelines allow 90%. | Complete |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX CA | ATR/<br>QM:<br>Not<br>Provided | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active C | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | Yes | Provide<br>Lender QM<br>determination. (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 7.57% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower score is 804. Minimum score per program is 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.976% is below guideline maximum 50%. | Complete |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID4056 | TRID—CD:<br>The Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of the<br>Final Closing<br>Disclosure is<br>less than the<br>Clayton<br>Calculated<br>Total<br>Payment<br>Amount | Yes | CD XXX<br>Section: Loan<br>Calculation,<br>Field: Total of<br>Payments, CD<br>Value:<br>$XXX,<br>eCLAS<br>Value:<br>$XXX.<br>Difference of<br>$50.<br>Difference is<br>a Title<br>Endorsement<br>fee for $50<br>added on<br>PCCD. 130(b)<br>or (c) cure:<br>refund money<br>to borrower in<br>the amount<br>understated,<br>client<br>permission,<br>LOX and<br>redisclosed<br>CD; reopen<br>rescission if<br>the loan is<br>rescindable (No<br>Data) | Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 2.36% <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 131 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 733 mid score > min required of 620 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 7+ years at present job <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have59 months mortgage payment history 0x30. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $262,954.46 or 89.47 months PITI;There are no reserves required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 814 credit score; Minimum required score 620. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit, 1.29% | Complete |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 4/27/2026:<br>Received Safe<br>Harbor<br>determination. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has > 35 years self-employment <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 714 / 757 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 4X30, 0X60, 0X90, in #324 months, Credit ratio 28.11% | Complete |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | Validation of<br>expenses for<br>XXX totaling<br>$1003.68 | 4/27/2026:<br>Received docs<br>to verify<br>$1,003.68/mo. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has > 35 years self-employment <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 714 / 757 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 4X30, 0X60, 0X90, in #324 months, Credit ratio 28.11% | Complete |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA 4, score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received desk<br>review.<br>Variance of<br>-3.11% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has > 35 years self-employment <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 714 / 757 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 4X30, 0X60, 0X90, in #324 months, Credit ratio 28.11% | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH123 | No evidence<br>of required<br>debt payoff | No | AUS<br>requesting<br>evidence<br>of payoff<br>of XXX<br>$908,715. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Mortgage history per credit report over 24 months. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Credit report does not reflect any mortgage lates. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: No derogatory items appearing on credit in regards to mortgages. | Complete |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject<br>Photos<br>Unacceptable | No | Missing<br>subject<br>photos. | 5/4/2026 Received<br>legible copy of<br>appraisal however did<br>not receive legible<br>copy of 1004D. The<br>photos in 1004D<br>supplied are not fully<br>legible. The original<br>appraisal does not<br>include photos of<br>subject due to new<br>construction.5/6/2026:<br>Received 1004D with<br>photos. 100%<br>complete. | 5/4/2026<br>Exception<br>remains.5/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Mortgage history per credit report over 24 months. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Credit report does not reflect any mortgage lates. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: No derogatory items appearing on credit in regards to mortgages. | Complete |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos<br>Unacceptable | No | Comp<br>photos<br>missing. | 5/4/2026 Received<br>legible copy of<br>appraisal. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Mortgage history per credit report over 24 months. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Credit report does not reflect any mortgage lates. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: No derogatory items appearing on credit in regards to mortgages. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Mortgage history per credit report over 24 months. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Credit report does not reflect any mortgage lates. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: No derogatory items appearing on credit in regards to mortgages. | Complete |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Required<br>Affiliate<br>Business<br>Disclosure | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Middle score 735 exceeds minimum required 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $60,362.95 exceed $0 required. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 14 months reviewed. | Complete |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Middle score 735 exceeds minimum required 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $60,362.95 exceed $0 required. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 14 months reviewed. | Complete |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 37 years in current residence <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 exceeds minimum 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks | Complete |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>Affiliate<br>Business<br>Disclosure. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $39,497.36 / 8.83 months PITIA > min required of 6 months reserves. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 82 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 780 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>3.8 >2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $39,497.36 / 8.83 months PITIA > min required of 6 months reserves. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 82 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 780 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +1.38%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $24,930.46/ 6.93 months PITIA > min required of $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 5.84% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 749 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.65% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of +1.38%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $24,930.46/ 6.93 months PITIA > min required of $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 5.84% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 749 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.65% is below guideline maximum 45%. | Complete |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has over 9 years with current employer. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Assets verified $128,181.75 or 29.41 mo. reserves, reserves required $26,149.87. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Middle Fico score 791, minimum required 620. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio 5.34%. | Complete |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit utilization only 37.43% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Fico of 747 exceeds the minimum fico of 620 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Excellent credit history including a 52 month mortgage history with no lates | Complete |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $139,898.81 or 29.74 months of PITI. No reserves required per AUS findings. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 77+ positive mortgage payment history with 0x30 lates <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 FICO exceeds 620 minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 47.42% DTI below guideline max 50% <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @3.88% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline max 95% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: borrower has 10+ years at current job | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of -3.51%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 778 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 29.43% is below 45% maximum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below 97% maximum. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 2.45% | Complete |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 42 months reviewed for oldest mortgage. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 78.98% is below 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 703 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 42 months reviewed for oldest mortgage. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 78.98% is below 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 703 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 29% DTI is below guideline maximum of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 Credit score exceeds guideline minimum requirement of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 13 years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 13 years in the line of work. | Complete |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>approved<br>loan.<br>Clayton to<br>order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 13 years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 13 years in the line of work. | Complete |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | PIW<br>approved<br>loan.<br>Clayton to<br>order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 13 years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 13 years in the line of work. | Complete |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -6.09%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $101,201.57 (20.78 months PITIA reserves) > min required reserves of 0 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 768 > min required score of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 140 months > max permitted of 0 X 30 X 12 months. | Complete |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>-6.09%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets of $101,201.57 (20.78 months PITIA reserves) > min required reserves of 0 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 768 > min required score of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 140 months > max permitted of 0 X 30 X 12 months. | Complete |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @6.71% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower have 43 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 770 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | ABA<br>missing. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42% DTI max DTI is 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 738 fico score exceeds guidelines 620 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 28 years at current residence | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero tolerance<br>fail for<br>$416.24.<br>Lender credits<br>decreased from<br>$6983.00 on<br>initial LE to<br>$6566.76 on<br>final CD. No<br>documentation<br>provided<br>disclosing<br>decrease in<br>fee. Please<br>provide either<br>documentation<br>or Letter of<br>explanation,<br>corrected<br>Closing<br>Disclosure,<br>refund, proof<br>of delivery<br>within 60 days<br>of<br>consummation. | 05.05.2026—Missing<br>COC and LE<br>provided | 05.05.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $26857.07 verified cash reserves exceed $0 required by guideline <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 9+ years at current job <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 46+ months positive payment history 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline maximum 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit Score 737 exceeds guideline minimum 620 | Complete |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026 Received<br>BPO. Variance of<br>0% within tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $26857.07 verified cash reserves exceed $0 required by guideline <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 9+ years at current job <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 46+ months positive payment history 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline maximum 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit Score 737 exceeds guideline minimum 620 | Complete |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 5/5/2026 Received<br>BPO. Variance of<br>0% within tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $26857.07 verified cash reserves exceed $0 required by guideline <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 9+ years at current job <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 46+ months positive payment history 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline maximum 95% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit Score 737 exceeds guideline minimum 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW,<br>Clayton<br>to<br>provide<br>BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline max 95% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 28+ years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 758 FICO exceeds 620 minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 47.33% DTI below guideline max 50% | Complete |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline max 95% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 28+ years at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 758 FICO exceeds 620 minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 47.33% DTI below guideline max 50% | Complete |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @2.24% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 743 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $270,299.27 or 54 months reserves , $0 reserves required | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it and/<br>or Your lender<br>does not offer<br>one are<br>selected | No | All CDs<br>located in<br>file: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | 05.12.2026<br>- Client<br>provided<br>PCCD<br>XXX with<br>the<br>selection<br>that the<br>borrower<br>declined<br>the escrow<br>account. | 05.12.2026<br>=<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 10.92% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have 65 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $45,560.26 / 8.10 months PITIA > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Missing<br>complete<br>copy of the<br>2024 1040<br>tax return.<br>Document<br>received<br>has<br>multiple<br>illegible<br>areas<br>covered by<br>"Preview<br>Copy Do<br>Not File".<br>Unable to<br>calculate<br>and verify<br>rental<br>income of<br>$4,283.88<br>from<br>schedule E. | 5/5/2026:<br>Received<br>legible<br>1040<br>copies. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 10.92% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have 65 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $45,560.26 / 8.10 months PITIA > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 10.92% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have 65 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $45,560.26 / 8.10 months PITIA > min required of $0.00. | Complete |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 10.92% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 744 mid score > min required of 620 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrowers have 65 months mortgage payment history 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $45,560.26 / 8.10 months PITIA > min required of $0.00. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID -<br>CD: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | No | CD: XXX,<br>The Will<br>Not Have<br>an Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected. | 05.05.2026<br>- LOX and<br>PCCD<br>received | 05.05.2026<br>-Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.69% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -3.48%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.69% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance of<br>-3.48% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.69% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>date XXX<br>and AUS<br>approval<br>XXX. PDI<br>to be<br>ordered by<br>Clayton. | 4/14/2026:<br>Client<br>acknowledged<br>and waived<br>due to public<br>assistance<br>only. | 4/14/2026:<br>Waived<br>non-material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 737 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.69% <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 24 months. | Complete |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Co-Borrower has 40 years in the same profession. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $31,895.67 or 8.40 months PITI reserves. No required reserves. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers owned the departure residence 10.83 years | Complete |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>3.5 score.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026<br>Received<br>desk review.<br>Variance of<br>0% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 723 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 38.78% is below guideline maximum 45%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 28.87% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $9,212.24 / 2.11 months PITIA > min required of $0. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -6.61%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified reserves $75,942.79 / 25.20 months of reserves / no reserve required per findings | Complete |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of -6.61%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified reserves $75,942.79 / 25.20 months of reserves / no reserve required per findings | Complete |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.85% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI 22.41% is below guideline maximum of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.85% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI 22.41% is below guideline maximum of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 5/4/2026<br>Received<br>Lender<br>ATR/QM<br>status of<br>Safe<br>Harbor. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.87% is below guidelines 45% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of 0.00%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.87% is below guidelines 45% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of 0.00%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.87% is below guidelines 45% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | Need the full<br>page of the<br>Hazard<br>property for<br>the Non<br>Subject<br>property<br>located on<br>XXX to<br>reflect the full<br>Annual<br>premium.<br>Used the<br>amount stated<br>on the<br>non-subject<br>property field.<br>HOI page is<br>cut off on the<br>right side | 5/7/2026:<br>HOI<br>page<br>received,<br>still cut<br>off on<br>right<br>side. It<br>does<br>show<br>$498. so<br>increase<br>to $499<br>as worse<br>case. | 5/7/2026:<br>Exception<br>remains.5/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit utilization is only 36.04% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 17 years owning current residence <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score is 718 vs minimum required score of 620 | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 3.4.<br>Clayton to order<br>desk review | 5/4/2026<br>Received desk<br>review.<br>Variance of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit utilization is only 36.04% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 17 years owning current residence <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score is 718 vs minimum required score of 620 | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | 1. Provide<br>evidence that<br>the XXX Bk<br>mortgage loan<br>debt ending<br>\*XXX with<br>payment of<br>$1382.00/month<br>was paid off in<br>full as qualified<br>with, via final<br>CD/HUD from<br>sale of XXX.2.<br>Provide<br>evidence of<br>subject property<br>tax in the<br>amount of<br>$265.24/month<br>as qualified<br>with.<br>Documentation<br>in file does not<br>support this<br>amount. | 4/27/2026:<br>Received Final<br>ALTA to show<br>tax escrow. Item

#2<br>cleared.5/4/2026<br>Received<br>certified copy of<br>settlement for<br>sale of XXX.<br>Supports lien<br>paid off. | 4/27/2026:<br>Exception<br>remains for<br>Item

#1.5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 61 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 804 exceeds minimum required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts<br>Are<br>Unsupported<br>by<br>Documentation<br>in File | No | Provide proof<br>of net proceeds<br>from sale of<br>prior residence<br>in the amount of<br>$XXX as<br>qualified with. | 5/4/2026<br>Received<br>certified copy of<br>settlement for<br>sale of departure<br>residence.<br>Supports ><br>funds than<br>$XXX used to<br>qualify. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 61 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 804 exceeds minimum required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations not<br>disclosed/<br>accounted for<br>at origination | No | 1. Provide<br>evidence that<br>the XXX Bk<br>mortgage loan<br>debt ending<br>\*XXX with<br>payment of<br>$1382.00/month<br>was paid off in<br>full as qualified<br>with, via final<br>CD/HUD from<br>sale of XXX2.<br>Provide<br>evidence of<br>subject property<br>tax in the<br>amount of<br>$XXX/month as<br>qualified with.<br>Documentation<br>in file does not<br>support this<br>amount. | 4/27/2026:<br>Received Final<br>ALTA to show<br>tax escrow. Item

#2<br>cleared.5/4/2026<br>Received<br>certified copy of<br>settlement for<br>sale of XXX.<br>Supports lien<br>paid off. | 4/27/2026:<br>Exception<br>remains for<br>Item

#1.5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 61 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 804 exceeds minimum required of 620. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject<br>Photos<br>Unacceptable | No | Appraisal<br>report<br>does not<br>reflect<br>subject<br>photos.<br>Provide<br>acceptable<br>report<br>with<br>subject<br>photos<br>included. | 4/27/2026:<br>Received<br>updated<br>appraisal<br>with all<br>required<br>addenda<br>and<br>photos. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 61 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 804 exceeds minimum required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos<br>Unacceptable | No | Appraisal<br>report<br>does not<br>reflect<br>comp<br>photos.<br>Provide<br>acceptable<br>report<br>with<br>comp<br>photos<br>included. | 4/27/2026:<br>Received<br>updated<br>appraisal<br>with all<br>required<br>addenda<br>and<br>photos. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 61 months reviewed. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below Guidelines 97% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 804 exceeds minimum required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of -9.54%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 5 years and 10 months. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Significant time in profession, 29 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 726 Fico exceeds 620 minimum <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 72 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of<br>+0.2105%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 806 exceeds minimum required of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $185,308.93 PITIA exceed $0 reserves required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 29.35% is below the guideline maximum of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of<br>+0.2105%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 806 exceeds minimum required of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $185,308.93 PITIA exceed $0 reserves required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 29.35% is below the guideline maximum of 45%. | Complete |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Borrower<br>has<br>affiliates<br>according<br>to Facts<br>sheet. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 78% LTV; Maximum is 90% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Rep score is 812; minimum score required is 620 | Complete |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 710 exceeds minimum required of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 74.07% is below 80% guideline maximum. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 16 months reviewed. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Active D | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | Yes | XXX Desktop<br>Analysis<br>property street<br>address of<br>XXX does not<br>match subject<br>property street<br>address of<br>XXX Provide<br>correction to<br>address the<br>spelling. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 32.94% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 716 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 43.84% is below guideline maximum 45%. | Complete |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 5/5/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 806 exceeds minimum 620 credit score. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 8 years with current employer. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Current residence B1 6 years 11 months. Current residence B2 31 years. <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 no derogatory marks | Complete |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 132 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 754 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 23.04% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 47.24%; guidelines allow 90% | Complete |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>lender's ATR<br>QM Safe<br>harbor status | 5/5/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower has score of 798 with min score required 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has 210.99 months or $1,052,519.92 reserves even though loan AUS FHLMC LPA does not require reserves for the loan transaction <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is 24.49% with max DTI is 45%. | Complete |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition<br>Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 9 years at the departing primary residence. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Credit reflects oldest tradeline date 7/2015, reporting 0x30. <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: 0x30x45 mortgage payment history. Borrower has not had any major mortgage related occurrences in the past two years. | Complete |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $95,492.23 or 14.88 months PITI.No required reserves <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 39.86% DTI is below guideline max of 45% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 credit score exceeds guideline minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with current employer 8.92 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 707 median FICO. min required 620. | Complete |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 99 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 752 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 27.90% is below guideline maximum 45%. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 64.46%; guidelines allow 80%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 40.11% is below guideline maximum 50%. | Complete |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Missing<br>Affiliate<br>Business<br>Disclosure | 4.28.2026<br>-<br>Attestation<br>of no<br>affiliates<br>provided | 4.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #40 months, Credit ratio 4.25% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 803 / 757 exceeds minimum of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrowers have been XXX > 6 years | Complete |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Title | Satisfied D A | CRDTIL865 | Title<br>incomplete | No | Missing<br>updated title<br>commitment<br>for loan<br>amount<br>$XXX vs.<br>$XXX<br>showing on<br>Prelim Title<br>Report. | 4/27/2026:<br>Received<br>Title supp<br>showing<br>$XXX<br>coverage. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #40 months, Credit ratio 4.25% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 803 / 757 exceeds minimum of 620 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrowers have been XXX > 6 years | Complete |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 20.20% is below 45% maximum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below guidelines 95% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 805 exceeds 620 minimum required. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing, | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 71% LTV below guideline max of 80% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31% LTV below guideline max of 45% <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 99 months | Complete |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>lender ATR<br>QM Safe<br>Harbor Status<br>Determination | 5.14.26:<br>lender<br>provided<br>QM Safe<br>Harbor<br>APOR<br>status | 5.14.26:<br>exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 71% LTV below guideline max of 80% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31% LTV below guideline max of 45% <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 99 months | Complete |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 71% LTV below guideline max of 80% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31% LTV below guideline max of 45% <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 99 months | Complete |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 71% LTV below guideline max of 80% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31% LTV below guideline max of 45% <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 99 months | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA—Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing<br>lenders Safe<br>Harbor Status<br>Determination | 5/4/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Minimum Score Required is 620. The Representative Score is 770 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been XXX for 12 years. | Complete |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | AUS is<br>requiring 2<br>Months Bank<br>Statements.<br>There is only<br>1 month XXX

#XXX Bank<br>Statement<br>provided. | 5/4/2026:<br>Received<br>1/2026<br>stmnt.<br>2/2026<br>stmnt in<br>original<br>file. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Minimum Score Required is 620. The Representative Score is 770 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been XXX for 12 years. | Complete |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 80% lower than maximum allowed 90% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 31.36 % lower than maximum allowed 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 796 exceeds guidelines | Complete |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 80% lower than maximum allowed 90% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 31.36 % lower than maximum allowed 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 796 exceeds guidelines | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score 2.7<br>> 2.5, Clayton<br>to order Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 778 credit score; 620 minimum required FICO <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $33,307.60 or 4.81 months of PITI.0 Required Reserves <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 21 years at the departure residence | Complete |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $48,084.14 or 6.83 months PITI. No reserves are required per AUS in file. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 710 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 51.68% LTV below guideline requirements of 95% per program. | Complete |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Need proof<br>initial CD was<br>received by<br>borrower 3<br>days before<br>consummation<br>date of XXX | 05.07.2026<br>- Tracking<br>received | 05.07.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $48,084.14 or 6.83 months PITI. No reserves are required per AUS in file. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 710 mid score > min required of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 51.68% LTV below guideline requirements of 95% per program. | Complete |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Missing<br>signed PIW<br>Appraisal<br>waiver form | 5/4/2026:<br>Received<br>signed<br>PIW<br>Disclsure. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #126 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 7 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 789 / 784 exceeds minimum of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing the<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #126 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 7 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 789 / 784 exceeds minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance<br>Fee of $585<br>due to<br>Discount<br>Point Fee<br>$580 and<br>Flood Cert<br>Fee $5<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance<br>with specific<br>fee amount<br>changes, or<br>Post Close<br>CD, LOX<br>and copy of<br>refund check<br>to borrower. | 4.28.2026—COC<br>provided | 4.28.2026—Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #126 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 7 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 789 / 784 exceeds minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents do<br>not meet<br>guideline<br>requirements | No | Provide the<br>HOA for the<br>subject. The<br>Mortgage has<br>a PUD Rider<br>but no HOA<br>is noted on<br>the contract<br>or Final CD. | 4/28/2026:<br>Received<br>verification,<br>HOA dues are<br>$75/year. | 4/28/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #126 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 7 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 789 / 784 exceeds minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026:<br>Received BPO<br>supporting value. | 5/4/2026: Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #126 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 7 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 789 / 784 exceeds minimum of 620 | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #126 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 7 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 789 / 784 exceeds minimum of 620 | Complete |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit Score of 730 > than minimum credit score requirement of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 7.18% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets 432,824.41 > required reserves 0.00 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 75%; guidelines allow 90%. | Complete |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 3.74% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 788 mid score > min required of 620 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B2 has 10+ years in current profession | Complete |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Good mortgage payment history: 0X30, 0X60, 0X90, in #53 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 808 / 797 exceeds minimum of 620 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #426 months, Credit ratio 37.63% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Good mortgage payment history: 0X30, 0X60, 0X90, in #53 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 808 / 797 exceeds minimum of 620 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #426 months, Credit ratio 37.63% | Complete |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to<br>orderBPO | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower`s DTI 36.46% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 70% ; guidelines allow 95%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 15.83% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 5/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower`s DTI 36.46% is below guideline maximum 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 70% ; guidelines allow 95%. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 15.83% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 mid score > min required of 620 | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA—List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not in file (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: There are four mortgages reporting, all with positive payment history and no lates. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: The borrower has been at XXX for over 30 years. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has lived in the primary residence for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The DTI is 30.55%, below the guideline maximum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: The credit report does not reflect any lates or delinquencies. | Complete |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing (No<br>Data) | (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: There are four mortgages reporting, all with positive payment history and no lates. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: The borrower has been at XXX for over 30 years. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has lived in the primary residence for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The DTI is 30.55%, below the guideline maximum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: The credit report does not reflect any lates or delinquencies. | Complete |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID4056 | TRID—CD:<br>The Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of the<br>Final Closing<br>Disclosure is<br>less than the<br>Clayton<br>Calculated<br>Total<br>Payment<br>Amount | No | Total of<br>payments on<br>final CD<br>XXX differ<br>from<br>calculated by<br>$110.57.<br>This was<br>satisfied with<br>PCCD XXX.<br>Exception<br>satisfied. (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: There are four mortgages reporting, all with positive payment history and no lates. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: The borrower has been at XXX for over 30 years. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has lived in the primary residence for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The DTI is 30.55%, below the guideline maximum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: The credit report does not reflect any lates or delinquencies. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: There are four mortgages reporting, all with positive payment history and no lates. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: The borrower has been at XXX for over 30 years. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has lived in the primary residence for 15 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The DTI is 30.55%, below the guideline maximum. <br>CFCFS2860: Good credit history <br>- Clayton Comments: The credit report does not reflect any lates or delinquencies. | Complete |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | DU #13<br>run XXX<br>is in the<br>file. The<br>1008<br>indicates<br>LP #XXX<br>was used.<br>Provide<br>verification<br>which<br>AUS was<br>used.<br>additional<br>conditions<br>may apply. | 5/5/2026:<br>Received<br>updated<br>1008,<br>DU used. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $197,563.78 / 104.22 months PITIA > min required of 100 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 66.30%; guidelines allow 95%. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 4.62% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 26.71% is below guideline maximum 50%. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 20+ years at primary residence. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 20+ years. | Complete |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of<br>+2.94%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 24.86% is below guideline maximum 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have94 months mortgage payment history 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 79.53% is below guidelines 95% maximum. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 5.00% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $110,828.42 exceed required of $0. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 5/5/2026<br>Received BPO.<br>Variance of<br>+2.94% within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 24.86% is below guideline maximum 45%. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have94 months mortgage payment history 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 79.53% is below guidelines 95% maximum. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines at 5.00% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $110,828.42 exceed required of $0. | Complete |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/5/2026:<br>Received BPO<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30 for 19 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 68.84%; guidelines allow 90%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 798 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID—Corrected<br>CD should have<br>been provided;<br>Change of<br>Product or<br>Product Feature<br>not disclosed at<br>least 3 business<br>days prior to<br>closing | No | Initial CD is<br>missing from<br>file. Please<br>provide Initial<br>CD with<br>Confirmation<br>of Receipt at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX. | 4.28.2026—ICD<br>received | 4.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 36% DTI below guideline requirement 620 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 10 years at current residence | Complete |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID—CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Initial CD is<br>missing from<br>file. Please<br>provide Initial<br>CD with<br>Confirmation<br>of Receipt at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX. | 4.28.2026—ICD<br>received | 4.28.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 36% DTI below guideline requirement 620 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 10 years at current residence | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Mid score of 770 > exceeds minimum required of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 7 months cash reserves exceeds required minimum per guideline <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 15+ years in the current profession | Complete |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Mid score of 770 > exceeds minimum required of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 7 months cash reserves exceeds required minimum per guideline <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 15+ years in the current profession | Complete |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | ABA<br>Disclosure<br>not in file,<br>borrower<br>used the<br>SPL<br>disclosed<br>by the<br>lender<br>which<br>would<br>require an<br>ABA<br>disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 46.67% DTI below guideline requirement 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 Fico exceeds guideline minimum 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $96,019.26 or 24.25 months PITI , Required PITI Reserves are $0. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 5 years. <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Child Support income available not used in qualifying <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 62.53% LTV below guideline max 80% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 9+ years at current residence <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 60+ positive mortgage payments with 0x30 lates | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid score of 773 > min required score of 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $147,487.41 or 27.44 PITI. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer debt 0 x 30 X 123 months > max permitted of 0 X 30 X 12 months. | Complete |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>Affiliate<br>Business<br>Disclosure. | (No<br>Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: No 30.60.90 lates in last 24 months, borrower has 8 properties. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid fico score 789 minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower credit line usage 7.37% | Complete |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | CMPTRID5806 | TRID—At<br>least 1 CD<br>prior to<br>the last<br>CD at or<br>prior to<br>closing<br>was not<br>provided<br>to all with<br>rescission<br>rights. | No | Please<br>provide<br>confirmation<br>initial CD<br>XXX was<br>provided to<br>non<br>borrowing<br>spouse. | (No<br>Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: No 30.60.90 lates in last 24 months, borrower has 8 properties. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid fico score 789 minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower credit line usage 7.37% | Complete |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+29.71%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: No 30.60.90 lates in last 24 months, borrower has 8 properties. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid fico score 789 minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower credit line usage 7.37% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 5/4/2026<br>Received<br>BPO.<br>Variance<br>of<br>+29.71%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: No 30.60.90 lates in last 24 months, borrower has 8 properties. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Mid fico score 789 minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower credit line usage 7.37% | Complete |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42% DTI below guideline max 45% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 35+ years in current residence <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 6.18% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 48+ months of positive payment history with 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV less than guideline max 95% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $22710.28 verified cash reserve exceeds guideline required $0 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 19+ years at current job | Complete |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 4/28/2026:<br>Received<br>BPO<br>supporting<br>value. | 4/28/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42% DTI below guideline max 45% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 35+ years in current residence <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 6.18% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 48+ months of positive payment history with 0x30 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV less than guideline max 95% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: $22710.28 verified cash reserve exceeds guideline required $0 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 19+ years at current job | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 5.75 years at the departing primary residence <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Credit reflects oldest tradeline 7/29/2008, reporting 0x30 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $19,164.56 or 6.44 months of PITI. 0 required reserves. | Complete |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves are $227,461.13, Guidelines require $0 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 759 Credit score exceeds guideline minimum requirement of 620 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV is below max LTV of 97% | Complete |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 46+ years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 793 mid score > min required of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 635 months <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95% <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 12.72% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 28+ years at primary residence | Complete |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $51,648.58 / 15.30 months PITIA > min required of $0. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 742 mid score > min required of 620. | Complete |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $105,844.32Required PITIA Reserves are $0.00 x 0.00 months = $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio of 1.66%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 382 months. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 5/5/2026<br>Received<br>BPO.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $105,844.32Required PITIA Reserves are $0.00 x 0.00 months = $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Credit line usage ratio of 1.66%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 798 is 178 points above minimum program requirement of 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has 0x30 for 382 months. | Complete |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 767 credit score; minimum required 660 FICO. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 2.62% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $83,166.89 or 14.44 months of PITI.No required reserves | Complete |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 27 months <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > min required of 620. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 6+ years at present job. | Complete |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 807 exceeds minimum of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 46.32% is below guideline maximum 45% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 70.13% is below guidelines 95% maximum. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit history exceeds guidelines—NO derogatory credit <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79.3% LTV below guideline requirements 95% MAX <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 726 exceeds the guideline program minimum of 620. | Complete |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 55 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $102,856.43 (25.98 months PITIA reserves) > min required reserves of $0 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 22.44% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% | Complete |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 5/4/2026:<br>Received<br>BPO<br>supporting<br>value. | 5/4/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 55 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $102,856.43 (25.98 months PITIA reserves) > min required reserves of $0 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 22.44% is below guideline maximum 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 809 mid score > min required of 620 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 2.00% | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | The<br>4506Cs<br>in the file<br>are not<br>signed by<br>the<br>borrower. | 5/5/2026:<br>Received<br>fully<br>executed<br>4506C. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 18+ years at present job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 771 mid score > min required of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have59 months mortgage payment history 0x30. | Complete |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR4789 | Appraisal<br>Deficiency | No | Appraisal<br>missing<br>all photos<br>of the<br>subject<br>and comp<br>properties<br>and<br>listings. | 5/5/2026<br>Received<br>fully<br>legible<br>copy of<br>appraisal<br>with all<br>subject<br>comp<br>properties<br>and<br>listings. | 5/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $48,771.09 or 8.16 months of PITI . No reserves required per AUS. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has 0x30 for 82 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 764 mid score > min required of 620 | Complete |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 810 mid score > min required of 620. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit lines @ 0.5% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $126,794.96 or 16.39 months of PITI. No reserves required per AUS. | Complete |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 771 mid score > min required of 620 <br>CFCFS1745: Significant total monthly debt reduction <br>- Clayton Comments: Borrowers paid off approximately $40,000.00 in installment/revolving debt at or before closing. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $303,857.83 / 57.86 months PITI > min required of $0.00. | Complete |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 5/4/2026<br>Received BPO.<br>Variance of<br>+0.61% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 793 / 790 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #137 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 4 years | Complete |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 5/4/2026<br>Received BPO.<br>Variance of<br>+0.61% within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median credit scores 793 / 790 exceeds minimum of 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #137 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer > 4 years | Complete |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID—Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $58.05 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Credit Report<br>from $300 to<br>$358.05 at or<br>prior to<br>closing<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 05.05.2026—Cure<br>provided via<br>$58.05 check,<br>proof of delivery,<br>PCCD and LOX | 05.05.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Minimal credit usage 5.81 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves not required however borrowers have over $100,000 available. | Complete |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject<br>Photos<br>Unacceptable | No | Pages for<br>subject photos<br>are blank. | 4/27/2026:<br>Received<br>complete<br>appraisal with all<br>photos and<br>graphics required. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Minimal credit usage 5.81 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves not required however borrowers have over $100,000 available. | Complete |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR167 | Appraisal not<br>Signed | No | Appraiser<br>signature<br>not found<br>on<br>appraisal. | 4/27/2026:<br>Received<br>complete<br>appraisal<br>with all<br>photos<br>and<br>graphics<br>required. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Minimal credit usage 5.81 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves not required however borrowers have over $100,000 available. | Complete |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos<br>Unacceptable | No | Comp<br>photos<br>not<br>provided<br>pages<br>blank. | 4/27/2026:<br>Received<br>complete<br>appraisal<br>with all<br>photos<br>and<br>graphics<br>required. | 4/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history <br>- Clayton Comments: Minimal credit usage 5.81 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves not required however borrowers have over $100,000 available. | Complete |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 10+ years at present job <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 733 mid score > min required of 660. | Complete |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5,<br>an<br>updated<br>valuation<br>is<br>required.<br>Clayton<br>to order<br>Desk<br>Review. | 5/4/2026<br>Received<br>desk<br>review.<br>Variance<br>of 0%<br>within<br>tolerance. | 5/4/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have61 months mortgage payment history 0x30. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 mid score > min required of 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $25,487.21 / 7.82 months PITI > min required of $0.00. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI 31% is below guideline maximum 45%. | Complete |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF5_J16910** |

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 <br> **Conditions Report 2.0**<br>

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| | |
|:---|:---|
| ***Loans in Report:*** | *259* |
| ***Loans with Conditions:*** | *197* |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | XXXXXX D C A B | No |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | XXXXXX A | Yes |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | XXXXXX D C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | XXXXXX D A | No |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Start - End Dates:** | **PNMAC PMTLT 2026-CNF5_J16910** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *259* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12572.75 | XXXXXX | 6.0026 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7259 | XXXXXX | 5.9986 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12338 | XXXXXX | 6.0035 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6670.29 | XXXXXX | 6.0154 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.499 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7515.31 | XXXXXX | 6.6106 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15503.65 | XXXXXX | 6.3221 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7489.52 | XXXXXX | 5.9933 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7853 | XXXXXX | 6.1813 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5474 | XXXXXX | 5.9339 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7920.8 | XXXXXX | 6.0065 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9645.5 | XXXXXX | 6.2474 | Retired | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3902.26 | XXXXXX | 6.105 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7064 | XXXXXX | 6.1046 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7534 | XXXXXX | 6.1368 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5331.5 | XXXXXX | 5.5706 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5377.57 | XXXXXX | 5.9914 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.105 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12128 | XXXXXX | 6.164 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9114 | XXXXXX | 6.5726 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8828 | XXXXXX | 6.4522 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2551.11 | XXXXXX | 6.0408 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11154 | XXXXXX | 6.3175 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3100.5 | XXXXXX | 5.8282 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9083.62 | XXXXXX | 6.2418 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9163 | XXXXXX | 6.2741 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9141.79 | XXXXXX | 5.7814 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1340.4 | XXXXXX | 5.904 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1014 | XXXXXX | 6.174 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4951.4 | XXXXXX | 5.8798 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2579.29 | XXXXXX | 6.5266 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1400 | XXXXXX | 6.1552 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 605 | XXXXXX | 6.1265 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1330 | XXXXXX | 6.443 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3315 | XXXXXX | 5.9496 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.1809 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3705.66 | XXXXXX | 6.1558 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.6574 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1170.64 | XXXXXX | 5.9456 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3836.1 | XXXXXX | 6.027 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2797.15 | XXXXXX | 6.1609 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 650 | XXXXXX | 5.9847 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3876.15 | XXXXXX | 6.158 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3793.6 | XXXXXX | 5.8673 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.0151 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1537.5 | XXXXXX | 5.9055 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.5261 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.8517 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3284 | XXXXXX | 5.9099 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2394 | XXXXXX | 5.6594 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.9244 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9488.07 | XXXXXX | 6.0154 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2100 | XXXXXX | 5.9164 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.0004 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 396.35 | XXXXXX | 6.1607 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2750.36 | XXXXXX | 5.9183 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2549 | XXXXXX | 5.8079 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.055 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3102.06 | XXXXXX | 5.7799 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8572 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.8645 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2864 | XXXXXX | 6.0339 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0802 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.0559 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7636.86 | XXXXXX | 6.0338 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3514.41 | XXXXXX | 6.0976 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3244 | XXXXXX | 6.0717 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6775.92 | XXXXXX | 6.9965 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.8263 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9819 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 5.6862 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6518.6 | XXXXXX | 6.2755 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5215.82 | XXXXXX | 6.3532 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9931 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2639 | XXXXXX | 6.5303 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5964.88 | XXXXXX | 6.0895 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.6623 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1672.2 | XXXXXX | 6.0286 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6045.98 | XXXXXX | 5.6927 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7299.44 | XXXXXX | 5.7023 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3755.36 | XXXXXX | 6.603 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2376.21 | XXXXXX | 5.9025 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2024 | XXXXXX | 6.0169 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2962.76 | XXXXXX | 5.9415 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1474.22 | XXXXXX | 5.9186 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2134 | XXXXXX | 6.0319 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 20.44 | XXXXXX | 5.9056 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4191.45 | XXXXXX | 5.9576 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2109.68 | XXXXXX | 6.1954 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5570.08 | XXXXXX | 5.8594 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6612.5 | XXXXXX | 5.5745 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 5.6609 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6170.14 | XXXXXX | 5.5593 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2641.37 | XXXXXX | 6.3229 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8529.11 | XXXXXX | 6.3779 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4902 | XXXXXX | 5.7512 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2876.66 | XXXXXX | 5.8064 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7755.18 | XXXXXX | 6.059 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2760 | XXXXXX | 6.1461 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7290.15 | XXXXXX | 6.2675 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10837.12 | XXXXXX | 5.8981 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6444.16 | XXXXXX | 5.9811 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2739 | XXXXXX | 5.91 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7296.03 | XXXXXX | 5.9603 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 5.8161 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5127.2 | XXXXXX | 6.653 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2639 | XXXXXX | 6.0164 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6807.58 | XXXXXX | 6.1127 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6478.8 | XXXXXX | 6.2935 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2519.1 | XXXXXX | 5.8162 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2885 | XXXXXX | 5.7805 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8175.54 | XXXXXX | 5.974 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2619 | XXXXXX | 5.6724 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.7464 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8715 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 199.32 | XXXXXX | 5.9154 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.7293 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8661.56 | XXXXXX | 5.8472 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |

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------

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.6675 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3162.55 | XXXXXX | 5.9562 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8094.53 | XXXXXX | 5.3854 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.6328 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3750.29 | XXXXXX | 5.742 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2685 | XXXXXX | 5.7038 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7555.83 | XXXXXX | 5.8829 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4205.68 | XXXXXX | 6.1077 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4442.98 | XXXXXX | 5.9155 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3108 | XXXXXX | 5.9589 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6650.67 | XXXXXX | 5.6487 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1200 | XXXXXX | 6.5134 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2050 | XXXXXX | 6.4117 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2123 | XXXXXX | 6.6654 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1350 | XXXXXX | 6.0685 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 975 | XXXXXX | 5.776 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1500 | XXXXXX | 6.0315 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 32167.5 | XXXXXX | 5.668 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2030.85 | XXXXXX | 6.1377 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2727.5 | XXXXXX | 6.1907 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1366 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.1606 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 75 | XXXXXX | 6.1353 | Retired | Employed | U.S. Citizen | U.S. Citizen | Yes | 10688.5 | Complete |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1599 | XXXXXX | 6.1649 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 700 | XXXXXX | 6.1388 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 600 | XXXXXX | 5.7858 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11295 | XXXXXX | 6.7576 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3334 | XXXXXX | 6.0694 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9300 | XXXXXX | 5.8843 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3934.11 | XXXXXX | 5.6833 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1347 | XXXXXX | 6.4089 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1645 | XXXXXX | 6.5949 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8170 | XXXXXX | 6.2994 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3204 | XXXXXX | 6.0223 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1450 | XXXXXX | 6.0142 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 5.9484 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1355 | XXXXXX | 5.9059 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 7.0833 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4100 | XXXXXX | 6.0285 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11551.76 | XXXXXX | 6.3745 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3381.48 | XXXXXX | 6.6751 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3048 | XXXXXX | 6.175 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 6.5305 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1246 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.9957 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 5.9068 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 5.9465 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5285 | XXXXXX | 5.882 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.0357 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1700 | XXXXXX | 6.1392 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9130 | XXXXXX | 5.9606 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2045 | XXXXXX | 5.9234 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3436.25 | XXXXXX | 5.7735 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3749 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 140 | XXXXXX | 5.8835 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 5.6683 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.0699 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10341.13 | XXXXXX | 6.618 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1900 | XXXXXX | 6.1972 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.0183 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2550 | XXXXXX | 6.8406 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6245 | XXXXXX | 6.7079 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.1561 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1085.1 | XXXXXX | 6.1996 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1394 | XXXXXX | 6.1685 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.2796 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1850 | XXXXXX | 6.1964 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1620 | XXXXXX | 6.1627 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6899.72 | XXXXXX | 6.2782 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 6.6329 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7160 | XXXXXX | 6.6623 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4975 | XXXXXX | 6.2282 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.1643 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9063.88 | XXXXXX | 6.0293 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6114 | XXXXXX | 6.8015 | Retired | Retired | U.S. Citizen | U.S. Citizen | Yes | 10354.74 | Complete |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7590.04 | XXXXXX | 6.2538 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1820 | XXXXXX | 6.0353 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6789.34 | XXXXXX | 5.8557 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1195.01 | XXXXXX | 5.9823 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1053.1 | XXXXXX | 6.175 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.734 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4670 | XXXXXX | 6.2015 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2000 | XXXXXX | 6.3156 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 6.0455 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3970.12 | XXXXXX | 6.2239 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7630 | XXXXXX | 7.1701 | Employed | Unemployed | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1038.5 | XXXXXX | 5.9005 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11008.5 | XXXXXX | 6.556 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7945 | XXXXXX | 5.8561 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0239 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3495 | XXXXXX | 6.6268 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9510.7 | XXXXXX | 6.537 | Employed | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5472.29 | XXXXXX | 6.418 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1658 | XXXXXX | 6.0427 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2974.41 | XXXXXX | 6.574 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3550.8 | XXXXXX | 6.4137 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1748 | XXXXXX | 6.5035 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3674.55 | XXXXXX | 5.9813 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12568 | XXXXXX | 6.5293 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 50 | XXXXXX | 6.1563 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1716 | XXXXXX | 6.2018 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.7471 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 6.1709 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1910 | XXXXXX | 6.1889 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5108.2 | XXXXXX | 6.0918 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.1727 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 18733.87 | XXXXXX | 6.1357 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 899 | XXXXXX | 6.1801 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1<br>Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** | **Loan<br>Status** |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 18475 | XXXXXX | 6.209 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1990 | XXXXXX | 6.1565 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2107.56 | XXXXXX | 6.1768 | Retired | Retired | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.1623 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2968.13 | XXXXXX | 6.2554 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 125 | XXXXXX | 5.2935 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3415 | XXXXXX | 6.1862 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7295 | XXXXXX | 5.6823 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1383 | XXXXXX | 6.5297 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 6.2203 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1050 | XXXXXX | 6.16 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14763.67 | XXXXXX | 6.0676 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1401 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1385.75 | XXXXXX | 6.1659 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1300 | XXXXXX | 6.1615 | Retired | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3120 | XXXXXX | 6.58 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1758 | XXXXXX | 6.4831 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 14000 | XXXXXX | 6.5148 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1675 | XXXXXX | 6.1818 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.1527 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3741 | XXXXXX | 5.5135 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7280.68 | XXXXXX | 5.9966 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 13596.6 | XXXXXX | 6.2871 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 495 | XXXXXX | 5.8998 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6676 | XXXXXX | 6.3359 | Employed | (No Data) | Permanent Resident Alien | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.4673 | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3310 | XXXXXX | 6.4412 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1890 | XXXXXX | 6.3323 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2175 | XXXXXX | 6.1759 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10388.05 | XXXXXX | 6.4683 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.5365 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 6.7513 | Employed | Employed | U.S. Citizen | U.S. Citizen | No | 0 | Complete |

---

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF5_J16910 |
| **Loan Level Tape Compare Upload** |  |
| *Loans in Report* | *259* |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Cash Reserves | 67678.53 | 25019.34 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Cash Reserves | 369797.05 | 160850.52 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Cash Reserves | 163389.70 | 47443.38 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Cash Reserves | 39597.84 | 68184.00 |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Cash Reserves | 270525.93 | 112162.09 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Cash Reserves | 265384.38 | 160453.80 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Cash Reserves | 108026.25 | 9119.90 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Cash Reserves | 177761.72 | 27260.03 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Cash Reserves | 25568.61 | 23019.85 |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Cash Reserves | 144373.11 | 80914.19 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Cash Reserves | 262044.25 | 246680.81 |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;401 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Cash Reserves | 459274.69 | 356742.01 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Cash Reserves | 201626.78 | 210591.65 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 29 Yr Conventional |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Cash Reserves | 166221.25 | 137636.21 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Cash Reserves | 100241.99 | 27746.38 |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | Cash Reserves | 3628.41 | 1243.73 |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Cash Reserves | 192577.00 | 4113.23 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Cash Reserves | 2563861.16 | 1956927.42 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Cash Reserves | 126734.34 | 207.13 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | Cash Reserves | 182103.64 | 80407.13 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 187000.00 | 547.08 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Cash Reserves | 10416.48 | 17909.65 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Combined LTV | 80 | 85 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | Cash Reserves | 664619.19 | 303300.27 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | Cash Reserves | 1171445.99 | 162069.92 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | Cash Reserves | 762147.82 | 534914.19 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Cash Reserves | 295403.21 | 27605.71 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Cash Reserves | 128261.15 | 60679.23 |
| &nbsp;&nbsp;&nbsp;412 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Cash Reserves | 226836.21 | 66413.11 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Cash Reserves | 116797.13 | 107287.81 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Cash Reserves | 1973759.75 | 1918599.42 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Cash Reserves | 877828.88 | 94610.57 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Cash Reserves | 924888.22 | 2917.77 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Cash Reserves | 51133.56 | 47351.60 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | Cash Reserves | 262453.59 | 561161.90 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Cash Reserves | 30696.93 | 29109.16 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Cash Reserves | 15867.42 | 85691.68 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Cash Reserves | 4711.69 | 3244.09 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Cash Reserves | 100532.34 | 107194.13 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;361 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Cash Reserves | 620804.55 | 498618.79 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Cash Reserves | 202883.78 | 130051.93 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;580 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Cash Reserves | 6766.69 | 2156.50 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Cash Reserves | 53319.38 | 11283.64 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Cash Reserves | 30000.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | Cash Reserves | 4180.72 | 2240.82 |
| &nbsp;&nbsp;&nbsp;385 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | Cash Reserves | 139521.69 | 139323.95 |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Cash Reserves | 88660.63 | 85121.30 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | Cash Reserves | 48520.19 | 44456.66 |
| &nbsp;&nbsp;&nbsp;537 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Cash Reserves | 2860.44 | 15801.62 |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;581 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Cash Reserves | 71227.78 | 79368.11 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Cash Reserves | 19632.37 | 19415.14 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Cash Reserves | 50376.59 | 44592.92 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Cash Reserves | 27415.28 | 33277.66 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;377 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 29 Yr Conventional |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Cash Reserves | 292606.67 | 292606.62 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | Cash Reserves | 12871.27 | 12558.11 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Cash Reserves | 7470.98 | 11402.51 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Cash Reserves | 371087.12 | 337107.02 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Cash Reserves | 4558.02 | 9619.94 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | Cash Reserves | 7799.18 | 2467.82 |
| &nbsp;&nbsp;&nbsp;345 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Cash Reserves | 93527.68 | 32014.56 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | Cash Reserves | 9764.07 | 11878.44 |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 27 Yr Fixed |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Cash Reserves | 30844.15 | 29170.77 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | Cash Reserves | 199031.87 | 72594.81 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | Cash Reserves | 12611.95 | 11831.64 |
| &nbsp;&nbsp;&nbsp;531 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;337 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Cash Reserves | 49076.26 | 33788.46 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Cash Reserves | 2459.34 | 334.73 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Cash Reserves | 42159.92 | 32867.85 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Borrower 1 Total Income | 22083.34 | 25583.33 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12706.54 | 19509.25 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Borrower 1 Total Income | 120074.83 | 127807.17 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9387.73 | 13444.87 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4000.02 | 20933.97 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7755.13 | 7381.16 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3983.72 | 6373.94 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7850.00 | 11524.94 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9166.65 | 10281.24 |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5339.66 | 5351.88 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7570.81 | 8714.40 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Borrower 1 Total Income | 16597.03 | 16603.94 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5806.31 | 8070.57 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Borrower 1 Total Income | 37644.87 | 37644.91 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10217.02 | 12083.33 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15000.01 | 17500.01 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12676.59 | 14348.04 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10611.86 | 10611.85 |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6008.34 | 9492.67 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11666.67 | 12833.34 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15416.67 | 17083.34 |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10443.34 | 17652.04 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10633.96 | 10539.04 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5644.02 | 15047.27 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1971.49 | 1947.38 |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10411.45 | 11991.67 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10052.54 | 10140.75 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10400.00 | 14444.19 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Borrower 1 Total Income | 16514.47 | 16514.46 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Borrower 1 Total Income | 25225.73 | 24404.75 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15333.33 | 15333.07 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6688.46 | 14355.33 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Borrower 1 Total Income | 22870.18 | 22150.00 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6250.01 | 9633.00 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8353.18 | 9713.34 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11666.68 | 12184.60 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9993.82 | 9993.84 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11297.39 | 14727.77 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5651.99 | 8527.31 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15175.77 | 15175.76 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Borrower 1 Total Income | 302.65 | 9049.90 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Borrower 1 Total Income | 31296.05 | 31255.66 |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4216.25 | 4216.95 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9013.34 | 17723.34 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Borrower 1 Total Income | 16378.27 | 16378.26 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Borrower 1 Total Income | 957.61 | 10491.55 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8029.89 | 8029.88 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13331.59 | 13331.58 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12506.68 | 12506.67 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12416.98 | 13162.00 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13125.00 | 14852.54 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20718.82 | 21684.58 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14927.00 | 14927.08 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11261.47 | 11260.91 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9420.00 | 15511.85 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Borrower 1 Total Income | 20833.33 | 20833.32 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Borrower 1 Total Income | 57537.00 | 57537.67 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9639.28 | 9636.28 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Borrower 1 Total Income | 19000.00 | 19000.02 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5026.67 | 6720.88 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13919.16 | 13919.19 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Borrower 1 Total Income | 52979.08 | 51135.38 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | Borrower 1 Total Income | 21666.68 | 21666.67 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9950.00 | 11024.24 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8333.33 | 9108.24 |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12083.34 | 12283.34 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9733.33 | 12562.43 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11304.80 | 11306.52 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Borrower 1 Total Income | 111217.34 | 111217.36 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Borrower 1 Total Income | 19479.17 | 19578.16 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8195.20 | 12513.64 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8716.45 | 8963.64 |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12553.82 | 17102.69 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7676.00 | 9774.33 |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4101.37 | 4121.80 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6231.16 | 6448.66 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13229.58 | 14247.00 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18333.33 | 18333.34 |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13749.98 | 27642.40 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Borrower 1 Total Income | 19748.59 | 19390.92 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13540.80 | 19286.28 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13068.78 | 13068.75 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6315.52 | 6220.98 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4732.00 | 7218.23 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8032.51 | 33740.83 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4151.00 | 6212.25 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5147.45 | 5499.87 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15029.83 | 14531.46 |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5960.00 | 8300.00 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10852.40 | 11090.10 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11666.67 | 11666.68 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8333.34 | 14713.80 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8167.00 | 16865.52 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13161.75 | 15977.96 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15285.00 | 20126.80 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11667.00 | 11666.67 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1500.00 | 12115.07 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Borrower 1 Total Income | 12908.00 | 17241.33 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14955.00 | 17053.02 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14342.19 | 15601.65 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | Borrower 1 Total Income | 13072.93 | 13048.86 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3651.10 | 4625.67 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7594.69 | 7594.68 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Cash Reserves | 15349.54 | 12524.90 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 8780.02 | 8357.32 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Cash Reserves | 33000.00 | 32913.01 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | Cash Reserves | 77823.77 | 97130.19 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Cash Reserves | 18082.57 | 17199.82 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Cash Reserves | 231395.05 | 84014.89 |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;556 | XXXXXX | XXXXXX | Cash Reserves | 728183.59 | 146934.18 |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;472 | XXXXXX | XXXXXX | Cash Reserves | 17761.65 | 15482.41 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Cash Reserves | 420613.38 | 167496.10 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Cash Reserves | 82469.19 | 94843.98 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | Cash Reserves | 93010.00 | 89955.96 |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;475 | XXXXXX | XXXXXX | Cash Reserves | 68370.14 | 68370.15 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Cash Reserves | 20198.10 | 17351.46 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Cash Reserves | 1898482.00 | 1469614.49 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Cash Reserves | 120000.00 | 55147.70 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Cash Reserves | 286774.78 | 84679.06 |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | Cash Reserves | 317705.16 | 156022.98 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Cash Reserves | 238309.30 | 70022.75 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Cash Reserves | 252930.72 | 90496.40 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Cash Reserves | 104019.59 | 36817.67 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Cash Reserves | 230108.16 | 122804.25 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | Cash Reserves | 187863.78 | 83719.57 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Cash Reserves | 77398.20 | 569094.15 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | Cash Reserves | 179398.81 | 26856.90 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | Cash Reserves | 15477.03 | 162.60 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Cash Reserves | 163169.60 | 8564.20 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Cash Reserves | 25720.19 | 47230.19 |
| &nbsp;&nbsp;&nbsp;325 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Cash Reserves | 346441.49 | 219516.12 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Cash Reserves | 260893.05 | 291199.86 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Cash Reserves | 218940.06 | 97035.07 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | Property Type | Detached PUD | SFR |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Cash Reserves | 50000.00 | 437921.34 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | Cash Reserves | 734714.23 | 417374.89 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Cash Reserves | 180410.29 | 57780.39 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | Cash Reserves | 159273.46 | 770.80 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | Cash Reserves | 2303.46 | 36008.07 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Cash Reserves | 523264.89 | 388032.78 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | Cash Reserves | 42662.27 | 40904.13 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Cash Reserves | 232400.22 | 82864.79 |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;458 | XXXXXX | XXXXXX | Cash Reserves | 1266744.24 | 160817.29 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | Cash Reserves | 271222.24 | 95095.76 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | Cash Reserves | 200000.00 | 91756.21 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Cash Reserves | 25410.75 | 0.00 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Cash Reserves | 311929.02 | 52705.94 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Cash Reserves | 175589.69 | 68092.81 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | Cash Reserves | 315184.13 | 262954.46 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Cash Reserves | 28052.71 | 29347.47 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Amortization Type | Fixed | ARM |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Cash Reserves | 203662.86 | 112501.91 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Note Rate | 6.125 | 6.5000 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 7/6 IO ARM |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Cash Reserves | 60362.00 | 60362.95 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Cash Reserves | 1846629.73 | 1197192.76 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;334 | XXXXXX | XXXXXX | Cash Reserves | 27456.54 | 24930.46 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;465 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Cash Reserves | 380929.03 | 139898.81 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Cash Reserves | 150000.00 | 5753.51 |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Cash Reserves | 130000.00 | 4747.76 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Correspondent Flow without delegated underwriting |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | Cash Reserves | 93201.57 | 101201.57 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Cash Reserves | 173139.27 | 23835.85 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Cash Reserves | 192254.49 | 41857.07 |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | Cash Reserves | 158859.00 | 1201.53 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Cash Reserves | 50000.00 | 270299.27 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Cash Reserves | 343153.62 | 45560.26 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | Cash Reserves | 195160.75 | 76592.12 |
| &nbsp;&nbsp;&nbsp;445 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Cash Reserves | 282000.00 | 31895.67 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | Cash Reserves | 209066.33 | 9212.24 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Cash Reserves | 205809.00 | 75942.79 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.4310 | 25.1917 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.4270 | 41.2941 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.1790 | 31.3933 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.6450 | 47.5303 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.7260 | 42.6042 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.2970 | 41.7870 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 45.2570 | 38.8720 |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.5560 | 37.1257 |
| &nbsp;&nbsp;&nbsp;389 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.3741 | 28.1001 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.8061 | 46.7861 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 46.5486 | 43.2735 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.6611 | 45.9958 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9839 | 34.0292 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.5390 | 30.6844 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.0730 | 37.2207 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | Cash Reserves | 177229.96 | 2229.29 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | Cash Reserves | 386049.00 | 276544.89 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | Cash Reserves | 131596.93 | 30267.73 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Cash Reserves | 38573.23 | 38648.17 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Cash Reserves | 282805.17 | 185308.93 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | Cash Reserves | 811307.92 | 619733.86 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Cash Reserves | 5035.13 | 3495.49 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | Cash Reserves | 910001.63 | 1052519.92 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | Cash Reserves | 345708.48 | 310858.83 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Retail |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Cash Reserves | 130734.35 | 95492.23 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | Min Number | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;440 | XXXXXX | XXXXXX | Cash Reserves | 265443.91 | 40036.55 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;438 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | Cash Reserves | 561106.32 | 194294.61 |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | Cash Reserves | 946118.10 | 530773.89 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Cash Reserves | 135056.00 | 2715.49 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Cash Reserves | 400941.16 | 33307.60 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Cash Reserves | 368555.00 | 33084.14 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Cash Reserves | 217557.42 | 93191.40 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Cash Reserves | 678319.79 | 432824.41 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Cash Reserves | 362477.22 | 196048.08 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | Cash Reserves | 452893.30 | 47128.79 |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | Cash Reserves | 327332.63 | 82014.93 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Cash Reserves | 324458.47 | 197563.78 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 118435.19 | 102183.12 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | Cash Reserves | 3718.83 | 487.03 |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | Cash Reserves | 170980.14 | 23056.30 |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | Cash Reserves | 433971.30 | 147487.41 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Cash Reserves | 15000.00 | 1481244.72 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Cash Reserves | 158665.65 | 27710.28 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Cash Reserves | 228156.03 | 19164.56 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | Cash Reserves | 371098.00 | 227461.13 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | Cash Reserves | 153645.79 | 32327.06 |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | Cash Reserves | 186347.42 | 51648.58 |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;307 | XXXXXX | XXXXXX | Cash Reserves | 352255.27 | 105844.32 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Cash Reserves | 631746.17 | 83166.89 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | Cash Reserves | 142096.00 | 41713.59 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Cash Reserves | 16339.00 | 16339.52 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Cash Reserves | 256617.00 | 37047.59 |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Cash Reserves | 243063.00 | 97856.43 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Cash Reserves | 8000.08 | 5879.64 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | Cash Reserves | 188730.03 | 48771.09 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | Cash Reserves | 355235.16 | 126794.96 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | Cash Reserves | 607121.59 | 303857.83 |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | Cash Reserves | 231154.73 | 12152.39 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Cash Reserves | 272545.56 | 144806.96 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Origination Channel | Correspondent Bulk | Broker |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Cash Reserves | 157364.57 | 25487.21 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Total Monthly Income | 23041.26 | 32120.08 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | Total Monthly Income | 16736.54 | 23539.25 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Total Monthly Income | 120074.83 | 127807.17 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Total Monthly Income | 24750.00 | 24756.36 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Total Monthly Income | 12498.89 | 13444.87 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | Total Monthly Income | 10528.46 | 10154.49 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Total Monthly Income | 18271.15 | 15390.60 |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | Total Monthly Income | 18482.41 | 18123.25 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Total Monthly Income | 11748.50 | 11524.94 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Total Monthly Income | 9582.49 | 9503.82 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | Total Monthly Income | 7638.15 | 7666.77 |
| &nbsp;&nbsp;&nbsp;403 | XXXXXX | XXXXXX | Total Monthly Income | 9909.73 | 10281.24 |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | Total Monthly Income | 12006.34 | 12018.56 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Total Monthly Income | 13136.23 | 14781.88 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Total Monthly Income | 8911.91 | 8714.40 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Total Monthly Income | 16597.03 | 16603.94 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | Total Monthly Income | 8082.03 | 8070.57 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | Total Monthly Income | 20383.03 | 20383.02 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | Total Monthly Income | 24211.47 | 25762.37 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Total Monthly Income | 28783.67 | 30894.76 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | Total Monthly Income | 13962.21 | 13819.00 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Total Monthly Income | 44311.53 | 46394.90 |
| &nbsp;&nbsp;&nbsp;410 | XXXXXX | XXXXXX | Total Monthly Income | 8982.81 | 8983.25 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Total Monthly Income | 21050.35 | 22916.66 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Total Monthly Income | 12676.59 | 14348.04 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Total Monthly Income | 17759.93 | 17676.89 |
| &nbsp;&nbsp;&nbsp;363 | XXXXXX | XXXXXX | Total Monthly Income | 12712.82 | 14801.82 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | Total Monthly Income | 20195.46 | 20195.45 |
| &nbsp;&nbsp;&nbsp;368 | XXXXXX | XXXXXX | Total Monthly Income | 10070.05 | 9598.82 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | Total Monthly Income | 17717.31 | 17622.39 |
| &nbsp;&nbsp;&nbsp;513 | XXXXXX | XXXXXX | Total Monthly Income | 13750.44 | 13726.33 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;538 | XXXXXX | XXXXXX | Total Monthly Income | 10411.45 | 11991.67 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Total Monthly Income | 10052.54 | 10140.75 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Total Monthly Income | 16514.47 | 16514.46 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Total Monthly Income | 25225.73 | 24404.75 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Total Monthly Income | 15333.33 | 15333.07 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Total Monthly Income | 13988.33 | 14355.33 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Total Monthly Income | 24511.48 | 25424.67 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Total Monthly Income | 22870.18 | 22150.00 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | Total Monthly Income | 18090.05 | 18089.93 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | Total Monthly Income | 8353.18 | 9713.34 |
| &nbsp;&nbsp;&nbsp;520 | XXXXXX | XXXXXX | Total Monthly Income | 11666.68 | 12184.60 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | Total Monthly Income | 9897.33 | 9897.34 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Total Monthly Income | 12683.23 | 12683.25 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | Total Monthly Income | 13654.82 | 13654.74 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Total Monthly Income | 13129.32 | 14727.77 |
| &nbsp;&nbsp;&nbsp;341 | XXXXXX | XXXXXX | Total Monthly Income | 13191.06 | 13136.05 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Total Monthly Income | 17688.97 | 16970.33 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Total Monthly Income | 8278.36 | 8527.31 |
| &nbsp;&nbsp;&nbsp;477 | XXXXXX | XXXXXX | Total Monthly Income | 23071.59 | 23071.58 |
| &nbsp;&nbsp;&nbsp;588 | XXXXXX | XXXXXX | Total Monthly Income | 9093.77 | 9049.90 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Total Monthly Income | 31296.05 | 31255.66 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | Total Monthly Income | 14692.94 | 17147.12 |
| &nbsp;&nbsp;&nbsp;552 | XXXXXX | XXXXXX | Total Monthly Income | 7109.88 | 7063.84 |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Total Monthly Income | 8898.22 | 8898.92 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Total Monthly Income | 8828.28 | 8828.21 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Total Monthly Income | 8477.70 | 9735.71 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | Total Monthly Income | 28044.56 | 27325.33 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Total Monthly Income | 14040.22 | 13746.74 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Total Monthly Income | 16378.27 | 16378.26 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | Total Monthly Income | 10492.75 | 10491.55 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Total Monthly Income | 18278.21 | 18110.48 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Total Monthly Income | 13331.59 | 13331.58 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Total Monthly Income | 19879.85 | 19879.83 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | Total Monthly Income | 13718.63 | 13162.00 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Total Monthly Income | 16019.29 | 14852.54 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | Total Monthly Income | 31174.00 | 32320.71 |
| &nbsp;&nbsp;&nbsp;469 | XXXXXX | XXXXXX | Total Monthly Income | 13541.25 | 13541.20 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Total Monthly Income | 14927.00 | 14927.08 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Total Monthly Income | 11261.47 | 11260.91 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Total Monthly Income | 28019.25 | 28840.45 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Total Monthly Income | 20833.33 | 20833.32 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Total Monthly Income | 57537.00 | 57537.67 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Total Monthly Income | 9451.00 | 9450.00 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | Total Monthly Income | 19913.20 | 20345.26 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Total Monthly Income | 21899.19 | 21896.19 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Total Monthly Income | 19000.00 | 19000.02 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Total Monthly Income | 13919.16 | 13919.19 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Total Monthly Income | 52979.08 | 51135.38 |
| &nbsp;&nbsp;&nbsp;321 | XXXXXX | XXXXXX | Total Monthly Income | 43333.36 | 43333.34 |
| &nbsp;&nbsp;&nbsp;348 | XXXXXX | XXXXXX | Total Monthly Income | 11024.23 | 11024.24 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Total Monthly Income | 17457.08 | 17438.93 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Total Monthly Income | 12562.45 | 12562.43 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Total Monthly Income | 11304.80 | 11306.52 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | Total Monthly Income | 12922.00 | 13328.60 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Total Monthly Income | 16285.44 | 16285.30 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Total Monthly Income | 111217.34 | 111217.36 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | Total Monthly Income | 30926.05 | 31025.04 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Total Monthly Income | 12513.20 | 12513.64 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Total Monthly Income | 15070.46 | 15227.84 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Total Monthly Income | 16092.00 | 16093.33 |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | Total Monthly Income | 11919.53 | 11886.17 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Total Monthly Income | 14246.96 | 14247.00 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | Total Monthly Income | 18333.33 | 18333.34 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Total Monthly Income | 19748.59 | 19390.92 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Total Monthly Income | 12563.02 | 12479.24 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | Total Monthly Income | 25031.72 | 25031.76 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | Total Monthly Income | 13068.78 | 13068.75 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | Total Monthly Income | 6315.52 | 6220.98 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Total Monthly Income | 33740.84 | 33740.83 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Total Monthly Income | 6212.50 | 6212.25 |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | Total Monthly Income | 21355.98 | 21000.83 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Total Monthly Income | 14074.12 | 14426.54 |
| &nbsp;&nbsp;&nbsp;353 | XXXXXX | XXXXXX | Total Monthly Income | 27249.60 | 27249.62 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | Total Monthly Income | 30059.66 | 29062.92 |
| &nbsp;&nbsp;&nbsp;312 | XXXXXX | XXXXXX | Total Monthly Income | 24974.00 | 24973.83 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | Total Monthly Income | 13683.17 | 15986.25 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Total Monthly Income | 11085.10 | 11090.10 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Total Monthly Income | 21336.67 | 21336.68 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | Total Monthly Income | 13192.56 | 12954.85 |
| &nbsp;&nbsp;&nbsp;427 | XXXXXX | XXXXXX | Total Monthly Income | 16864.92 | 16865.52 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Total Monthly Income | 11667.00 | 11666.67 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Total Monthly Income | 17296.00 | 17241.33 |
| &nbsp;&nbsp;&nbsp;358 | XXXXXX | XXXXXX | Total Monthly Income | 17053.00 | 17053.02 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | Total Monthly Income | 24823.20 | 24799.13 |
| &nbsp;&nbsp;&nbsp;357 | XXXXXX | XXXXXX | Total Monthly Income | 13403.05 | 13561.86 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Total Monthly Income | 11129.12 | 11250.53 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Total Monthly Income | 13368.69 | 13127.19 |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF5_J16910 |
| **Valuations Summary** |  |
| *Loans in Report:* | *259* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Loan<br>Status** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 303 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.02% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 272 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 270 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 407 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.98% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan. |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.78% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 400 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 519 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 401 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.16% | XXXXXX | XXXXXX | XXXXXX | -14.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 403 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.62% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan is<br>PIW<br>approved. |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.52% | XXXXXX | XXXXXX | XXXXXX | -15.40% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 10 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -12.06% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 41 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 395 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 299 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 589 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 61.11% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.77% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.42% | XXXXXX | XXXXXX | XXXXXX | -15.81% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.89% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 410 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -11.29% | XXXXXX | XXXXXX | XXXXXX | -15.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 50 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | Complete | (No<br>Data) |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Loan<br>Status** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 363 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 365 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 580 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.47% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 372 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 278 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.87% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 276 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.45% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.54% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -24.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 279 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.95% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.66% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.49% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 30.29% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.42% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 141 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 388 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 389 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 11.69% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO |
| &nbsp;&nbsp;&nbsp;&nbsp; 390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.75% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 374 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 32.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.45% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW Loan<br>Approved. |
| &nbsp;&nbsp;&nbsp;&nbsp; 377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.26% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 292 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.82% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 13.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 567 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 40.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.78% | XXXXXX | XXXXXX | XXXXXX | -11.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 343 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.88% | XXXXXX | XXXXXX | XXXXXX | -16.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 344 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 341 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.90% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Loan<br>Status** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.49% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.74% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 543 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.63% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 342 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.78% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 481 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.82% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -20.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 340 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.47% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 552 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 339 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.13% | XXXXXX | XXXXXX | XXXXXX | -13.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 26 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.32% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.86% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan. |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 8.72% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.37% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.55% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 336 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 556 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.93% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.44% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.62% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 449 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Loan<br>Status** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 506 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.30% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.39% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan. |
| &nbsp;&nbsp;&nbsp;&nbsp; 515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 325 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 348 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.26% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.46% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 326 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.44% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 456 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.24% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 332 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 490 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.11% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 334 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.38% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 53 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 463 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.51% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.05% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan. |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 333 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 45 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.40% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | PIW<br>approved<br>loan |
| &nbsp;&nbsp;&nbsp;&nbsp; 445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 318 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Loan<br>Status** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.83% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.54% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.21% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 259 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 353 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 200 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 488 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 12.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 310 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 312 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.24% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.89% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 29.71% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan LP<br>Accept<br>Eligible<br>with<br>appraisal<br>waiver<br>(ACE)<br>eligible. |
| &nbsp;&nbsp;&nbsp;&nbsp; 427 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 307 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with<br>PIW. |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Loan<br>Status** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 52 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan<br>approved<br>with PIW |
| &nbsp;&nbsp;&nbsp;&nbsp; 358 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 98 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 357 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) | Complete | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 | Complete | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 32 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | $0.00 |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 | Complete | (No<br>Data) |

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