# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-25-019673
**Filing Date:** 2025-12
**Character Count:** 2983433
**Document Hash:** f89365fd298aa6a5d1369ca285e02076
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-019673.hdr.sgml**: 20251205

**ACCESSION NUMBER**: 0001999371-25-019673

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

**PUBLIC DOCUMENT COUNT**: 59

**CONFORMED PERIOD OF REPORT**: 20251205

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

**FILED AS OF DATE**: 20251205

**DATE AS OF CHANGE**: 20251205

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 251553624

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

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

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

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

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

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

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

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

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the <br> 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)(l) ☐

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 depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2025-NQM5</u>

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

**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 Issuer**

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.

**EXHIBIT INDEX**

[99.01](ex99-01.htm) AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E

[99.02](ex99-02.htm) AMC Data Compare

[99.03](ex99-03.htm) AMC Exception Report

[99.04](ex99-04.htm) AMC Rating Agency Grades

[99.05](ex99-05.htm) AMC Valuation Summary

[99.06](ex99-06.htm) Clarifii LLC ("Clarifii") Executive Summary

[99.07](ex99-07.htm) Clarifii Data Compare Report

[99.08](ex99-08.htm) Clarifii Rating Agency Grades Detail Report

[99.09](ex99-09.htm) Clarifii Rating Agency Grades Summary Report

[99.10](ex99-10.htm) Clarifii Valuation Report

[99.11](ex99-11.htm) Clayton Services LLC ("Clayton") Due Diligence Narrative

[99.12](ex99-12.htm) Clayton Data Compare

[99.13](ex99-13.htm) Clayton Exception Report

[99.14](ex99-14.htm) Clayton Rating Agency Grades

[99.15](ex99-15.htm) Clayton Valuation Summary

[99.16](ex99-16.htm) Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative

[99.17](ex99-17.htm) Consolidated Analytics Data Compare

[99.18](ex99-18.htm) Consolidated Analytics Exception Report

[99.19](ex99-19.htm) Consolidated Analytics Rating Agency Grades

[99.20](ex99-20.htm) Consolidated Analytics Valuation Summary

[99.21](ex99-21.htm) Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative

[99.22](ex99-22.htm) Covius Tape Compare

[99.23](ex99-23.htm) Covius Exceptions Report

[99.24](ex99-24.htm) Covius Grades Report

[99.25](ex99-25.htm) Covius Valuation Report

[99.26](ex99-26.htm) Digital Risk, LLC ("Digital Risk") Due Diligence Narrative

[99.27](ex99-27.htm) Digital Risk Data Integrity Report

[99.28](ex99-28.htm) Digital Risk Exceptions Report

[99.29](ex99-29.htm) Digital Risk Rating Agency Report

[99.30](ex99-30.htm) Digital Risk Valuation Report

[99.31](ex99-31.htm) Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative

[99.32](ex99-32.htm) Inglet Blair Data Compare

[99.33](ex99-33.htm) Inglet Blair Exception Report

[99.34](ex99-34.htm) Inglet Blair Rating Agency Grades

[99.35](ex99-35.htm) Inglet Blair Valuation Summary

[99.36](ex99-36.htm) Inglet Blair Loan Summary

[99.37](ex99-37.htm) Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative

[99.38](ex99-38.htm) Maxwell Exceptions Report

[99.39](ex99-39.htm) Maxwell Grading Report

[99.40](ex99-40.htm) Maxwell Valuation Report

[99.41](ex99-41.htm) Maxwell Data Compare Report

[99.42](ex99-42.htm) Selene Diligence LLC ("Selene") Due Diligence Narrative

[99.43](ex99-43.htm) Selene Data Compare Report

[99.44](ex99-44.htm) Selene Standard Findings Report

[99.45](ex99-45.htm) Selene Rating Agency Grades Summary Report

[99.46](ex99-46.htm) Selene Valuation Report

**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.

---

| | | |
|:---|:---|:---|
|  | **J.P. MORGAN ACCEPTANCE CORPORATION II** | **J.P. MORGAN ACCEPTANCE CORPORATION II** |
|  | (Depositor) | (Depositor) |
| Date: December 5, 2025 |  | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer <br> (Senior Officer in charge of securitization) |

---

## Exhibit 99.01

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (if Different):  

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

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

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

Business Name (if Different):  

Principal Business Address: <u>270 Park Avenue, 4<sup>th</sup> Floor, New York, NY 10017</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

---

| | |
|:---|:---|
| 1 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

**CERTIFICATION**

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

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

By: <u>Tim Van Houtte </u>

---

| | |
|:---|:---|
| Signature: | &nbsp;&nbsp;&nbsp;/s/ Tim Van Houtte |

---

Date: <u>December 5, 2025</u>

---

| | |
|:---|:---|
| 2 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

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

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

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

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

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

The Review was conducted on six hundred seventy-three (673) loans selected by the Client. Subsequent to review, the Client reduced the population to six hundred seventy-two (672) mortgage loans with an aggregate original principal balance of approximately $241.795 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Residual Income Amount |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;City | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;PITIA Reserves Months |  |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Product Description |  |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property Type |  |

---

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

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

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

---

| | |
|:---|:---|
| 3 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

**<u>CREDIT REVIEW (238 Mortgage Loans)</u>**

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

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

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

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

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

**DU/LP/Zippy Review** 

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

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

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

---

| | |
|:---|:---|
| 4 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

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

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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

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

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

**<u>LEASES REVIEW (434 Mortgage Loans)</u>**

**<u>DOCUMENT REVIEW</u>**

For each Loan, AMC reviewed the corresponding Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h) title/preliminary title, (i) mortgage/deed of trust, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

**<u>CREDIT REVIEW</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines were assessed during the review. An income calculation was not performed though the presence of income documentation if required by the guidelines was noted.

**Credit Application:** For the Credit Application, AMC verified whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

**Credit Report:** AMC verified (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

---

| | |
|:---|:---|
| 5 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

**Borrowing Entity:** AMC verified the borrowing entity, if not an individual, is properly documented. In addition, AMC verified if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction was made between guarantors and principals, individuals, and business entities.

**Property income:** AMC determined whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios were calculated but instead a "Property DTI/DSCR" was calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

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

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

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines is present in the file. AMC verified that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

**Insurance:** AMC (a) looked for the presence of rent loss insurance as required by the guidelines, (b) verified that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirmed that the flood certification is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC also reviewed the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC reviewed for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, AMC looked for an independent, third party fraud report and background check in each file and reviewed the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client

---

| | |
|:---|:---|
| 6 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

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

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations

---

| | |
|:---|:---|
| 7 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

(including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

**<u>COMPLIANCE REVIEW (238 Mortgage Loans)</u>**

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

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

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

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

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

iii) errors in the right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

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

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

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

---

| | |
|:---|:---|
| 8 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, AMC reviewed the relevant documents in the mortgage loan file and, as necessary,
attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage
loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures,
AMC's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any.
These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations
in the mortgage loan purchase agreement between the Client and seller correspondent;

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

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

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

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

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

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

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

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

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

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

---

| | |
|:---|:---|
| 9 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes
were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

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

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that each revised LE is accompanied by valid written documentation explaining the reason
for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business
days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's,
initial CD, and reflected on the final CD;

---

| | |
|:---|:---|
| 10 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

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

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

---

| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

---

| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds |

---

---

| | |
|:---|:---|
| 11 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors.

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

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

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

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

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

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

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the

---

| | |
|:---|:---|
| 12 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

---

| | |
|:---|:---|
| 13 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

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

**<u>LEASES LIMITED COMPLIANCE REVIEW (66 Mortgage Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and
Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State specific prepayment penalty and late charge testing applicable to non-owner occupied loans.

**(8) Other: review and methodology.**

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

**(9) Disclaimer.**

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

---

| | |
|:---|:---|
| 14 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

"as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were six hundred seventy-two (672) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria, one hundred ninety (190) (28.27%) loans had an overall loan grade of "B". Thirteen (13) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, one hundred eighty-eight (188) (27.98%) loans had an overall loan grade of "B". Twelve (12) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS NRSRO grading criteria, one hundred eighty-seven (187) (27.83%) loans had an overall loan grade of "B". Eleven (11) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**S&P Final** <br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| 15 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***93*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**93** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**136** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**237** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Fitch, Kroll,** <br> **and Moody's** <br> **Final** <br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| 16 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***94*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**94** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**136** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**232** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**DBRS Final**<br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;53 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***93*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**93** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;74 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |

---

---

| | |
|:---|:---|
| 17 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| | | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;3 |
| | | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***136*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**136** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**231** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the three hundred four (304) loans that had a compliance review performed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, eighty-three (83) had a Compliance Review "B" grade. Of the three hundred four (304) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, eighty-two (82) had a Compliance Review "B" grade. Eleven (11) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's <br> NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;221 | &nbsp;&nbsp;72.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;83 | &nbsp;&nbsp;27.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO <br> Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;222 | &nbsp;&nbsp;73.03% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;82 | &nbsp;&nbsp;26.97% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one thousand seventy-one (672) loans reviewed, under the applicable S&P NRSRO grading criteria, eight (8) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below). Of the six hundred seventy-two (672) loans reviewed, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria, two (2) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;664 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;670 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | |
|:---|:---|
| 18 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

**CREDIT REVIEW RESULTS SUMMARY**

Five hundred fifty-seven (557) mortgage loans (82.89%) of the total received an "A" Credit Review grade. The one hundred fifteen (115) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;557 | &nbsp;&nbsp;82.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;115 | &nbsp;&nbsp;17.11% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the six hundred seventy-two (672) mortgage loans reviewed, two hundred fifty-seven (257) (37.24%) mortgage loans had tape discrepancies across thirty-two (32) unique data fields. The most common tape discrepancies were Note Date (11.16%), Subject Debt Service Coverage Ratio (9.08%), and Borrower Last Name (8.33%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;75 | &nbsp;&nbsp;11.16% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;61 | &nbsp;&nbsp;9.08% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;56 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;55 | &nbsp;&nbsp;8.18% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;47 | &nbsp;&nbsp;6.99% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.21% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;4.91% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;28 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;25 | &nbsp;&nbsp;3.72% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;23 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;20 | &nbsp;&nbsp;2.98% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.23% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.23% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.23% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.45% |

---

---

| | |
|:---|:---|
| 19 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;435 | &nbsp;&nbsp;64.73% | &nbsp;&nbsp;$77583678.00 | &nbsp;&nbsp;32.09% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;206 | &nbsp;&nbsp;30.65% | &nbsp;&nbsp;$136545079.00 | &nbsp;&nbsp;56.47% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.27% | &nbsp;&nbsp;$19010374.00 | &nbsp;&nbsp;7.86% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$8655834.25 | &nbsp;&nbsp;3.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;664 | &nbsp;&nbsp;98.81% | &nbsp;&nbsp;$235529520.25 | &nbsp;&nbsp;97.41% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;$6265445.00 | &nbsp;&nbsp;2.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;672 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$241794965.25 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;292 | &nbsp;&nbsp;43.45% | &nbsp;&nbsp;$121524530.25 | &nbsp;&nbsp;50.26% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;253 | &nbsp;&nbsp;37.65% | &nbsp;&nbsp;$71617782.00 | &nbsp;&nbsp;29.62% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;91 | &nbsp;&nbsp;13.54% | &nbsp;&nbsp;$34588297.00 | &nbsp;&nbsp;14.30% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;36 | &nbsp;&nbsp;5.36% | &nbsp;&nbsp;$14064356.00 | &nbsp;&nbsp;5.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;666 | &nbsp;&nbsp;99.11% | &nbsp;&nbsp;$232927142.25 | &nbsp;&nbsp;96.33% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.89% | &nbsp;&nbsp;$8867823.00 | &nbsp;&nbsp;3.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;411 | &nbsp;&nbsp;61.16% | &nbsp;&nbsp;$135837175.00 | &nbsp;&nbsp;56.18% |

---

---

| | |
|:---|:---|
| 20 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;78 | &nbsp;&nbsp;11.61% | &nbsp;&nbsp;$49837456.25 | &nbsp;&nbsp;20.61% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;48 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;$8276903.00 | &nbsp;&nbsp;3.42% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;42 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$17570369.00 | &nbsp;&nbsp;7.27% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;42 | &nbsp;&nbsp;6.25% | &nbsp;&nbsp;$5926491.00 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;$15454695.00 | &nbsp;&nbsp;6.39% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.49% | &nbsp;&nbsp;$3863500.00 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$1874527.00 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$2585100.00 | &nbsp;&nbsp;1.07% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$568749.00 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;467 | &nbsp;&nbsp;69.49% | &nbsp;&nbsp;$105775986.25 | &nbsp;&nbsp;43.75% |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;186 | &nbsp;&nbsp;27.68% | &nbsp;&nbsp;$124693959.00 | &nbsp;&nbsp;51.57% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;19 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$11325020.00 | &nbsp;&nbsp;4.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**672** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$241794965.25** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Exceptions** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**Exception <br> Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;48 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty Test 2009 Investment Test | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General Ability To Repay Provision Investor Qualification Method not Matching ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

---

| | |
|:---|:---|
| 21 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Revised Loan Estimate Timing Before Closing Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;48 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;20 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;xxxx County Water Contamination: Property is located in xxxx County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Articles of Organization/Formation not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Housing payment lates are present within 24 months. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Source of Funds/Deposit not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

---

| | |
|:---|:---|
| 22 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Hazard Insurance Policy expires within 90 days of the Note Date. | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Evidence of Access to Funds not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;AUS Findings: Property type discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Experience level does not meet the guideline requirements for an experienced investor. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;DSCR does not meet guideline requirements. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Certificate of Good Standing not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Note Addendum - Prepayment not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;"Other" housing history reflects lates that do not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lender Exception(s) not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Missing Final 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has active Tradelines which are less than the minimum required by guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**Exception <br> Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;48 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty Test 2009 Investment Test | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General Ability To Repay Provision Investor Qualification Method not Matching ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

---

| | |
|:---|:---|
| 23 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Revised Loan Estimate Timing Before Closing Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;48 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;20 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;xxxx County Water Contamination: Property is located in xxxx County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Articles of Organization/Formation not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Housing payment lates are present within 24 months. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

---

| | |
|:---|:---|
| 24 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Source of Funds/Deposit not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Policy expires within 90 days of the Note Date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Evidence of Access to Funds not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;AUS Findings: Property type discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Experience level does not meet the guideline requirements for an experienced investor. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;DSCR does not meet guideline requirements. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Certificate of Good Standing not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Note Addendum - Prepayment not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;"Other" housing history reflects lates that do not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lender Exception(s) not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Missing Final 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has active Tradelines which are less than the minimum required by guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Exceptions** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**Exception <br> Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;48 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland SB270 Prepayment Penalty Test 2009 Investment Test | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General Ability To Repay Provision Investor Qualification Method not Matching ATR | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Loan Estimate: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

---

| | |
|:---|:---|
| 25 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Revised Loan Estimate Timing Before Closing Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;48 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;20 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification of housing pay history is required. | &nbsp;&nbsp;7 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;xxxx County Water Contamination: Property is located in xxxx County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Articles of Organization/Formation not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Housing payment lates are present within 24 months. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

---

| | |
|:---|:---|
| 26 | &nbsp;&nbsp;P a g e |

---

![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Source of Funds/Deposit not provided | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Hazard Insurance Policy expires within 90 days of the Note Date. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Evidence of Access to Funds not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;AUS Findings: Property type discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Experience level does not meet the guideline requirements for an experienced investor. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;DSCR does not meet guideline requirements. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Certificate of Good Standing not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Note Addendum - Prepayment not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;"Other" housing history reflects lates that do not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lender Exception(s) not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Missing Final 1003 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has active Tradelines which are less than the minimum required by guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

---

| | |
|:---|:---|
| 27 | &nbsp;&nbsp;P a g e |

---

## Exhibit 99.02

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.02**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304352377 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304379639 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304379639 | Original Interest Rate | 9.375 | 7.25 | Verified | Field Value reflects the Note value |
| 304379639 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304379639 | Original CLTV | 75 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304379639 | Original LTV | 75 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304379639 | Investor: Qualifying Total Debt Ratio | 15.212 | 6.91817 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304384680 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304384680 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304384680 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304384680 | Original Interest Rate | 8.5 | 8.75 | Verified | Field Value reflects the Note value |
| 304384680 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304384680 | Representative FICO | 708 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304384680 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304384680 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304405110 | Original CLTV | 76.47 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304405110 | Original LTV | 76.47 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304405110 | Investor: Qualifying Total Debt Ratio | 10 | 5.79662 | Verified | 1008/Approval reflect Total DTI of 5.797% |
| 304415909 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304415909 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304415909 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304381135 | First Payment Date | xxxx | xxxx | Verified | Field Value reflects First Payment Date per the Note |
| 304381135 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304381135 | Cash From Borrower | xxxx | xxxx | Verified | Field value reflects source document |
| 304381135 | Investor: Qualifying Total Debt Ratio | 20.72 | 17.40288 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304381135 | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| 304441888 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304441888 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304492573 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304492573 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304476698 | Subject Debt Service Coverage Ratio | 1.58 | 1.47 | Verified | Lender used lease rent $xxxx instead of market rent $xxxx. Lender also used lower tax. |
| 304442366 | # of Units | 8 | 10 | Verified | Field value reflects source document |
| 304442366 | Subject Debt Service Coverage Ratio | 1.24 | 1.35 | Verified | Qualifying Rent $xxxx/ P&I of xxxx, HOI of $xxxx and taxes of $xxxx |
| 304457443 | Property Type | Townhouse | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304486456 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486456 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486456 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304486456 | Representative FICO | 740 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304486456 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304486456 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304486456 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304492272 | Investor: Qualifying Total Debt Ratio | 43.561 | 39.75783 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304636475 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304638291 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638291 | Investor: Qualifying Total Debt Ratio | 28.34 | 49.77752 | Verified | Approval has the DTI at 49.614% |
| 304638427 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304638427 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304638427 | Investor: Qualifying Total Debt Ratio | 38.177 | 46.41141 | Verified | DTI variance due Interest only PITIA higher than calculated PITIA per AUS |
| 304638427 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304700346 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304700346 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304700346 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304700346 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304700346 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304700346 | Original CLTV | 75 | 77.14286 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304700346 | Original LTV | 75 | 77.14286 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 304685723 | Original Interest Rate | 5.88 | 5.875 | Verified | Field Value reflects the Note value |
| 304685723 | Investor: Qualifying Total Debt Ratio | 43 | 49.48243 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304688549 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304688549 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304678664 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Unable to verify due to missing information |
| 304688457 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304688457 | Investor: Qualifying Total Debt Ratio | 43.47 | 39.96936 | Verified | Review DTI in line with approval at 36.15% DTI |
| 304708792 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304708792 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304708792 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304692169 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304692169 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304692169 | Representative FICO | 803 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304692169 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304692169 | Investor: Qualifying Total Debt Ratio | 24.63 | 33.23625 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304716591 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304716591 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304720405 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304720418 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720418 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304720418 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304720418 | Subject Debt Service Coverage Ratio | 1.31 | 1.20 | Verified | Field value reflects source document |
| 304720447 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304720447 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304720447 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304720447 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720447 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304720447 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304720447 | Subject Debt Service Coverage Ratio | 1.05 | 1.25 | Verified | Field value reflects source document |
| 304720404 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304720404 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304720404 | Representative FICO | 800 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304720404 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304707064 | Subject Debt Service Coverage Ratio | 1.79 | 2.00 | Verified | The difference is current rents were used from comparable rent schedule. The transaction is a purchase no leases in file, market rents reflect a total of $1,775. |
| 304707081 | Original CLTV | 75.429 | 80 | Verified | Difference due to assignment fee capped at 20%. |
| 304707081 | Original LTV | 75.429 | 80 | Verified | Difference due to assignment fee capped at 20%. |
| 304702581 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304702581 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304702581 | Original CLTV | 79.07 | 76.74419 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304702581 | Original LTV | 79.07 | 76.74419 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304716493 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304716493 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304716493 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304716493 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304702999 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304702999 | Property Type | Multi Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304702999 | Subject Debt Service Coverage Ratio | 1.18 | 1.51 | Verified | Used the lesser of market rent or actual rent per lease. Lender's calculation was not provided. |
| 304731323 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304731323 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304734660 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304734660 | Subject Debt Service Coverage Ratio | 1.23 | 1.27 | Verified | Lender considered qualifying rent is $xxxx vs lease rent $xxxx |
| 304734572 | Subject Debt Service Coverage Ratio | 2.20 | 2.23 | Verified | DSCR matches approval in file but not tape. |
| 304730176 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304730273 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304763234 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304764092 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304734831 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304748419 | Original Interest Rate | 8.63 | 8.625 | Verified | Unable to verify due to missing information |
| 304764080 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304764080 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304766004 | Investor: Qualifying Total Debt Ratio | 38.78 | 34.86793 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304768664 | Investor: Qualifying Total Debt Ratio | 41.36 | 37.04393 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304765851 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304754864 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304769630 | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 304717984 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304754945 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754945 | Decision System |  |  | Verified | Field value reflects source document |
| 304780144 | Investor: Qualifying Total Debt Ratio | 37.9 | 47.75853 | Verified | Matches 1008 approval at 47.75% DTI |
| 304671262 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304671262 | Subject Debt Service Coverage Ratio | 1.43 | 1.29 | Verified | Lender utilized $xxxx in qualifying rent; however, qualifying rent is $xxxx. Further, Lender used higher tax amount than verified by title commitment in file. |
| 304767969 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304751709 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304760362 | Investor: Qualifying Total Debt Ratio | 18.66 | 11.07258 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304750248 | Subject Debt Service Coverage Ratio | 1.78 | 1.62 | Verified | Tax amount Lender considered monthly Tax amount is $xxxx, However field value calculated monthly Tax amount is $xxxx. |
| 304759870 | Subject Debt Service Coverage Ratio | 1.74 | 1.73 | Verified | DSCR worksheet matches field value but does not match DSCR on tape. Used insurance policy annual pemium. |
| 304758712 | Subject Debt Service Coverage Ratio | 1.18 | 1.10 | Verified | Underwriter worksheet matches field value but does not match tape. |
| 304811765 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304751865 | Coborrower First Name | xxxx | xxxx | Verified | Field value reflects name of non-borrowing spouse. |
| 304751865 | Coborrower Last Name | xxxx | xxxx | Verified | Field value reflects name of non-borrowing spouse. |
| 304751865 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304768921 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304769737 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304812836 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304812836 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304812836 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304774670 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304759832 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304730097 | First Payment Date | xxxx | xxxx | Verified | Field Value reflects First Payment Date per the Note |
| 304730097 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304816489 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304816489 | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304826875 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304820257 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304779914 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| 304779914 | Investor: Qualifying Total Debt Ratio | 34.9 | 20.2994 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304754944 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304754944 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304754944 | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 304754944 | Decision System |  |  | Verified | Field value reflects source document |
| 304749857 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304749857 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304819207 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304758732 | Subject Debt Service Coverage Ratio | 1.42 | 1.34 | Verified | Lender used $xxxx market rent for the qualifying instead of $xxxx which is the lesser of 110% of Market Rent and the actual in-place rent amount |
| 304758696 | Subject Debt Service Coverage Ratio | 1.78 | 1.74 | Verified | Lender calculation of DSCR considered monthly insurance of $xxxx; actual insurance is $xxxx per Evidence of Insurance and Closing Statement. Calculated DSCR: Rent $xxxx / PITIA $xxxx = 1.74%. |
| 304758710 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304811918 | Subject Debt Service Coverage Ratio | 1.59 | 1.51 | Verified | Tax difference as UW worksheet reflects taxes of $xxxx and documented taxes in file are $xxxx. |
| 304811938 | Subject Debt Service Coverage Ratio | 1.31 | 1.37 | Verified | Lender used 100% of market rent $xxxx instead of lease rent $xxxx which is less than 110% of the market rent. |
| 304812070 | Subject Debt Service Coverage Ratio | 1.94 | 2.00 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304811943 | Subject Debt Service Coverage Ratio | 1.20 | 1.33 | Verified | Lender used lower insurance at $xxxx than field value at $xxxx (per insurance invoice in file). Lender used 90% of market rent when field value is 100% market rent. Property is vacant and owned < 6 months. |
| 304816443 | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | Rounding |
| 304819450 | Subject Debt Service Coverage Ratio | 1.51 | 1.53 | Verified | DSCR mismatch due to property taxes. UW worksheet reflects taxes of $xxxx; however, field review considers taxes of $xxxx from provided tax cert in file. |
| 304811956 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304812076 | Subject Debt Service Coverage Ratio | 1.76 | 1.70 | Verified | Rounding, DSCR matches UW worksheet but not tape. |
| 304819423 | Subject Debt Service Coverage Ratio | 2.04 | 2.03 | Verified | Market rent used to calculate DSCR. Tax and insurance documented in file match UW worksheet xxxx. Unable to determine cause for discrepancy |
| 304811875 | Subject Debt Service Coverage Ratio | 1.16 | 1.15 | Verified | DSCR discrepancy due to Flood insurance amount captured is $xxxx annually |
| 304811890 | Subject Debt Service Coverage Ratio | 2.38 | 2.21 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304818690 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304818690 | Investor: Qualifying Total Debt Ratio | 17.35 | 26.05533 | Verified | 1008 approval reflects 26.62% DTI |
| 304843010 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304843010 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304846413 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840860 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304817793 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304817793 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304780136 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304852008 | Coborrower First Name | xxxx | xxxx | Verified | Coborrower name does not reflect in note document |
| 304852008 | Coborrower Last Name | xxxx | xxxx | Verified | Coborrower name does not reflect in note document |
| 304758429 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304758429 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304758429 | Representative FICO | 794 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304854985 | Investor: Qualifying Total Debt Ratio | 42.08 | 48.4265 | Verified | Tape data is incorrect. Loan approved at 48.45% |
| 304833632 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304833632 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304833632 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304833632 | Investor: Qualifying Total Debt Ratio | 22.27 | 47.84461 | Verified | DTI difference due to the system list higher insurance and HOA fees, also the lender's 1008 xxxx list higher taxes and the income is slighty higher |
| 304822836 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304822836 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304668405 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304668405 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304668405 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304751774 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304751774 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304751774 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304751774 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304751774 | Investor: Qualifying Total Debt Ratio | 42.5392 | 48.27096 | Verified | Per 1008 DTI is 47.837% and calculated DTI is 47.837% |
| 304751774 | Decision System |  |  | Verified | Field value reflects source document |
| 304757296 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304757296 | Representative FICO | 794 | 816 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304757296 | Investor: Qualifying Total Debt Ratio | 36.6846 | 27.75971 | Verified | Field Value DTI matches AUS DTI. |
| 304777640 | Representative FICO | 775 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304754662 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304765424 | Representative FICO | 763 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304765424 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304828955 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304828955 | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 304828955 | Decision System |  |  | Verified | Field value reflects source document |
| 304421503 | Representative FICO | 660 | 653 | Verified | Lowest mid FICO of equal owners. |
| 304756707 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304756707 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304756707 | Original Interest Rate | 8.75 | 9 | Verified | Field Value reflects the Note value |
| 304756707 | Representative FICO | 701 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304756707 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304756707 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304756707 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304756707 | Original CLTV | 68.57 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304756707 | Original LTV | 68.57 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304777633 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304777633 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304789553 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304789553 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304822795 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304822795 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304822795 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304822795 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304822795 | Original CLTV | 57.14 | 59.61905 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304822795 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304822747 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304822747 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304822747 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304769705 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769705 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769705 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304769705 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304769705 | Representative FICO | 750 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304769705 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304769705 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304777297 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304777297 | Representative FICO | 755 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304777297 | Property Type | PUD | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304789555 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304789555 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304789555 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304789555 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304789555 | Representative FICO | 771 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304789555 | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304789555 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304769644 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769644 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769644 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304769644 | Representative FICO | 785 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304769644 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304769644 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304769644 | Original CLTV | 80 | 78.16391 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304769644 | Original LTV | 80 | 78.16391 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304769644 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304702967 | Subject Debt Service Coverage Ratio | 1.18 | 1.24 | Verified | Unable to determine, as no DSCR calculations provided. |
| 304826920 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304826920 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304822775 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304768861 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304768861 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304768861 | Representative FICO | 670 | 665 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304833246 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304833246 | # of Units | 4 | 8 | Verified | Field value reflects source document |
| 304825099 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304825012 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304825012 | Subject Debt Service Coverage Ratio | 1.81 | 2.01 | Verified | Variance in DSCR due to rental amounts considered. Lender utilized $xxxx in qualification; field review considers $xxxx (property owned > 6 months). |
| 304825020 | Amortization Term | 240 | 360 | Verified | 360 amortization. Note reflects IO term of 120. |
| 304812051 | Subject Debt Service Coverage Ratio | 2.13 | 2.18 | Verified | Lender used market rent $xxxx instead of $xxxx from the lease agreement. |
| 304825002 | Subject Debt Service Coverage Ratio | 1.43 | 1.59 | Verified | Field value reflects source document |
| 304811971 | Subject Debt Service Coverage Ratio | 1.24 | 1.22 | Verified | Taxes and insurance captured as per final HUD. DSCR discrepancy is due to insurance amount |
| 304824915 | Subject Debt Service Coverage Ratio | 1.46 | 1.50 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape |
| 304824964 | Original CLTV | 77.426 | 80 | Verified | Reduced sales price by seller contributions >2%. |
| 304824964 | Original LTV | 77.426 | 80 | Verified | Reduced sales price by seller contributions >2%. |
| 304753755 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304819437 | Subject Debt Service Coverage Ratio | 1.34 | 1.30 | Verified | UW worksheet matches field value but does not match DSCR on the tape. |
| 304844498 | Subject Debt Service Coverage Ratio | 1.26 | 1.27 | Verified | Rounding |
| 304844495 | Subject Debt Service Coverage Ratio | 2.21 | 2.01 | Verified | Lender considered total monthly tax amount of $xxxx and actual calculated monthly tax as per document is $xxxx. Calculated DSCR: Rent: $xxxx / PITIA $xxxx = 2.01%. |
| 304811872 | Subject Debt Service Coverage Ratio | 1.54 | 1.50 | Verified | Lender used market rent $xxxx to calculate DSCR. System using lower of in place rent and market rent. |
| 304860213 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304818304 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304862204 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304862204 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304862204 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304862127 | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304833268 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304847780 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304843019 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304844460 | Subject Debt Service Coverage Ratio | 2.04 | 1.79 | Verified | DSCR ratio matches UW worksheet in file but not tape. |
| 304847732 | Subject Debt Service Coverage Ratio | 1.44 | 1.59 | Verified | Lender used 100% of market rent. Field value reflects lower of lease or 110% of market rent. |
| 304811929 | Subject Debt Service Coverage Ratio | 1.01 | 1.12 | Verified | Lender used 90% of market rent at $xxxx instead of 100% of the market rent $xxxx for the expanded program for vacant properties >6 months seasoning. |
| 304844398 | Subject Debt Service Coverage Ratio | 1.31 | 1.20 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304844403 | Subject Debt Service Coverage Ratio | 1.58 | 1.44 | Verified | DSCR matches UW worksheet but not tape. |
| 304847680 | Subject Debt Service Coverage Ratio | 1.42 | 1.57 | Verified | Lender used 100% of market rent at $xxxx. Field value is lessor of lease and 110% of market rent. |
| 304847754 | Subject Debt Service Coverage Ratio | 1.36 | 1.32 | Verified | UW worksheet reflects total rents of $xxxx and field value reflects $xxxx taking lower of lease amount and market rent. |
| 304819417 | Subject Debt Service Coverage Ratio | 1.75 | 1.65 | Verified | Field value using $xxxx rents while tape is using $xxxx and slightly lower taxes. |
| 304849207 | Subject Debt Service Coverage Ratio | 1.17 | 1.22 | Verified | DSCR matches UW worksheet in file but not tape. |
| 304849130 | Original CLTV | 72 | 80 | Verified | Due to Original Sales Price, field value differs |
| 304849130 | Original LTV | 72 | 80 | Verified | Due to Original Sales Price, field value differs |
| 304847702 | Subject Debt Service Coverage Ratio | 1.52 | 1.50 | Verified | Lender considered monthly tax amount of $xxxx; actual calculated taxes per tax cert are $xxxx per month. |
| 304849082 | Subject Debt Service Coverage Ratio | 1.53 | 1.60 | Verified | Tax figure per lender UW worksheet does not consider the school tax of $xxxx. |
| 304824933 | Subject Debt Service Coverage Ratio | 1.82 | 1.80 | Verified | Rents, taxes and insurance match the DSCR worksheet in file. |
| 304811953 | Subject Debt Service Coverage Ratio | 1.70 | 1.89 | Verified | Lender utilized 90% of market rent ($xxxx), while field review utilizes full market value of $xxxx (vacant > 6 months). |
| 304865252 | Investor: Qualifying Total Debt Ratio | 0.34931 | 34.93054 | Verified | Tape data decimal point is in the incorrect position |
| 304865263 | Investor: Qualifying Total Debt Ratio | 0.30737 | 30.73694 | Verified | Alternate format, not a true discrepancy |
| 304844514 | Subject Debt Service Coverage Ratio | 1.05 | 1.17 | Verified | DSCR mismatch due to change in qualifying rent considered. UW worksheet uses $xxxx (90% of market rent) property vacant, owned < 6 months field value 100% of market rent. |
| 304847720 | Subject Debt Service Coverage Ratio | 1.25 | 1.18 | Verified | DSCR ratio matches UW worksheet but not tape. |
| 304844409 | Subject Debt Service Coverage Ratio | 2.17 | 2.41 | Verified | DSCR mismatch due to change in qualifying rent considered by UW sheet is $xxxx (90%of market rent). However, fileld value reflects 100% of market rent $xxxx (vacant, owned > 6 months). |
| 304819449 | Subject Debt Service Coverage Ratio | 1.68 | 1.84 | Verified | Lender considered Qualifying rent is $xxxx, However field calculated Qualifying rent is $xxxx (lessor of lease and 110% of market rent) |
| 304849234 | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Lender utilized market rent of $xxxx per month to determine DSCR while field considers full rent of $xxxx. |
| 304766083 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304819532 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304819532 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304819532 | Representative FICO | 804 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304819532 | Investor: Qualifying Total Debt Ratio | 36.7354 | 27.08936 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304819532 | Decision System |  |  | Verified | Field value reflects source document |
| 304839406 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304839406 | Decision System |  |  | Verified | Field value reflects source document |
| 304826919 | Decision System | DU |  | Verified | Field value reflects source document |
| 304823958 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304823958 | Representative FICO | 721 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304823958 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304823958 | Investor: Qualifying Total Debt Ratio | 7 | 12.99576 | Verified | DTI matches with 1008 |
| 304821086 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304821086 | Investor: Qualifying Total Debt Ratio | 25 | 29.56992 | Verified | Per 1008 DTI is 29.723% and calculated DTI is 29.569% due to the subject property PITIA of $xxxx vs 1008 of $xxxx. |
| 304821086 | Decision System |  |  | Verified | Field value reflects source document |
| 304825234 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304825234 | Decision System |  |  | Verified | Field value reflects source document |
| 304847547 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846278 | Decision System | DU |  | Verified | Field value reflects source document |
| 304826028 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304857380 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304857380 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304857380 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304857380 | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 304857380 | Investor: Qualifying Total Debt Ratio | 48.9621 | 45.24862 | Verified | Per 1008 DTI is 46.892% and calculated DTI is 45.248% due to investment property xxxx negative income of $xxxx vs 1003 of $xxxx as it appears hazard insurance may have been added in twice as difference in amount equal to that. Also subject loan P&I $xxxx for the first 120 months and then $xxxx. 1003 states P&I of $xxxx. |
| 304857380 | Decision System |  |  | Verified | Field value reflects source document |
| 304857379 | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 304827290 | Original Interest Rate | 6.625 | 6.5 | Verified | Field Value reflects the Note value |
| 304827290 | Representative FICO | 765 | 697 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304827290 | Decision System | DU |  | Verified | Field value reflects source document |
| 304825281 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304825281 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304825281 | Original CLTV | 74.8 | 73.03824 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304825281 | Original LTV | 74.8 | 73.03824 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304825281 | Investor: Qualifying Total Debt Ratio | 36.9806 | 30.86395 | Verified | Per 1008 DTI is 30.86% and calculated DTI is 30.86% |
| 304825281 | Decision System |  |  | Verified | Field value reflects source document |
| 304856207 | Investor: Qualifying Total Debt Ratio | 36 | 46.60301 | Verified | DTI slightly increased from 46.00 % to 46.40 % due to increase in rental loss in REO xxxx property. Lender has wrongly considered the rental income reported under Schedule E- Part II for property "xxxx". |
| 304847852 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304847852 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304842870 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304842870 | Investor: Qualifying Total Debt Ratio | 38.6205 | 35.07026 | Verified | There is no variance in DTI, differs in round figure. |
| 304846974 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846974 | Investor: Qualifying Total Debt Ratio | 24.471 | 40.00116 | Verified | DTI matches with 1008. |
| 304846974 | Decision System |  |  | Verified | Field value reflects source document |
| 304854970 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304854970 | Decision System |  |  | Verified | Field value reflects source document |
| 304839451 | Investor: Qualifying Total Debt Ratio | 32.288 | 40.86548 | Verified | Field Value DTI matches 1008 DTI. |
| 304846225 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304846225 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846225 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846225 | Decision System |  |  | Verified | Field value reflects source document |
| 304840949 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304840949 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840949 | Decision System |  |  | Verified | Field value reflects source document |
| 304846282 | Investor: Qualifying Total Debt Ratio | 25.9859 | 29.70719 | Verified | Field Value DTI matches 1008 DTI. |
| 304843288 | Investor: Qualifying Total Debt Ratio | 30.439 | 18.75488 | Verified | Field Value DTI matches the AUS DTI. |
| 304841694 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304841694 | Decision System |  |  | Verified | Field value reflects source document |
| 304843001 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304843001 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304843001 | Representative FICO | 805 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304843001 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304843001 | Decision System | DU |  | Verified | Field value reflects source document |
| 304767870 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304767870 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304767870 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304767870 | Decision System |  |  | Verified | Field value reflects source document |
| 304828954 | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| 304828954 | Representative FICO | 801 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304861620 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304861620 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304838872 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304838872 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304838872 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304838872 | Investor: Qualifying Total Debt Ratio | 44.73 | 49.71948 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304838872 | Decision System |  |  | Verified | Field value reflects source document |
| 304868137 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868137 | Investor: Qualifying Total Debt Ratio | 0 | 47.52931 | Verified | Field Value DTI matches 1008 STI |
| 304868137 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304873052 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304873052 | Investor: Qualifying Total Debt Ratio | 22.5788 | 28.55224 | Verified | Per AUS DTI is 28.55% and calculated DTI is 28.55% |
| 304684733 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304684733 | Original Interest Rate | 0.07 | 7 | Verified | Tape Value reflects decimal point in incorrect position |
| 304684733 | Original LTV | 0.75 | 75 | Verified | Tape Value reflects decimal point in incorrect position |
| 304702974 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304720359 | Subject Debt Service Coverage Ratio | 1.05 | 1.29 | Verified | Unable to determine the difference as the file does not contain the Lender's calculation. |
| 304827004 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304827005 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304769672 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769672 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304769672 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304769672 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304769672 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304769672 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304736198 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304763357 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304763357 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304763357 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304763357 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304763357 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304759923 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304759923 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304759923 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304759923 | Representative FICO | 766 | 770 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304759923 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304774689 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304774689 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304774689 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304774689 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304774689 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304823086 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304828960 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304828960 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304828960 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304818442 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304827021 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304827021 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304827021 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304827021 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304827021 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304846832 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846832 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846832 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846832 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304846832 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304844375 | City | xxxx | xxxx | Verified | Updated as per the corrective addendum received. |
| 304844375 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304844375 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304844375 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304844375 | Original CLTV | 65 | 61.7284 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304844375 | Original LTV | 65 | 61.7284 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304844375 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304827577 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304827577 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304827577 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304827577 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304838993 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304838993 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304838993 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304838993 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304838993 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304846539 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846539 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846539 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846539 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304846539 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304846578 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846578 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846578 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846578 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304846578 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304840790 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840790 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840790 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840790 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840790 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304840751 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840751 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840751 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840751 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840751 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304840774 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304840774 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840774 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304840775 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840775 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840775 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840775 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840775 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304843368 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304843368 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304843368 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304843368 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304846286 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846286 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846286 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304846286 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304852038 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304852038 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304852038 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304852038 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304842925 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304842925 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304842925 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304842925 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304779959 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304779959 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304779959 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304779959 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304826814 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304826814 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304826814 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304826814 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304818335 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304818335 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304818335 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304818335 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304840777 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840777 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840777 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840777 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840777 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304840788 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840788 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304840788 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304840788 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304840788 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304848480 | Prepayment Penalty Period (months) | 36 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304848480 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304848479 | Prepayment Penalty Period (months) | 36 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304848479 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304827568 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304838994 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304838994 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304838995 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304838995 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304838995 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304849313 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849313 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849313 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304849313 | Representative FICO | 785 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304849313 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304849313 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304849314 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849314 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849314 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304849314 | Property Type | Single Family Attached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304849314 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304849314 | Original CLTV | 75 | 73.36957 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304849314 | Original LTV | 75 | 73.36957 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304849314 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304846579 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304846579 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304846579 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846579 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304846579 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304846579 | Original CLTV | 75 | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304846579 | Original LTV | 75 | 80 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304846579 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304711180 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304711180 | Representative FICO | 762 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304846969 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304846969 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304846969 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304858383 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304858383 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304858383 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304858383 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304847857 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847857 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847857 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304847857 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304779958 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304779958 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304779958 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304779958 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304779958 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304817627 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304861657 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304861657 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304847758 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847758 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847758 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304847758 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304844362 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304844362 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304844362 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304844362 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304844362 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304844362 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304847638 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304847638 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304847638 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304849030 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849030 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849030 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304849030 | Representative FICO | 793 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304849030 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304858370 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304858370 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304858370 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304858370 | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304858370 | Original CLTV | 36.67 | 32.27666 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304858370 | Original LTV | 36.67 | 32.27666 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304858363 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304858363 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304858424 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304858424 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304858424 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304858424 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304844835 | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | The Approval reflects the higher market rents were used to qualify the loan; however, the lower lease agreement should have been used. |
| 304844814 | Subject Debt Service Coverage Ratio | 1.13 | 1.14 | Verified | Discrepancy is due to HOA of $xxxx monthly that was used is more than stated on appraisal of $xxxx monthly. |
| 304844512 | Subject Debt Service Coverage Ratio | 1.50 | 1.66 | Verified | Property owned < 6 months, vacant 100% of market rent used, Lender used 90% of market rent. |
| 304844511 | Refi Purpose | Cash-out | Rate/Term | Verified | Borrower is not getting cash-out more than 2% of the loan amount. |
| 304849111 | Subject Debt Service Coverage Ratio | 1.34 | 1.42 | Verified | Lenders taxes slightly higher. |
| 304849116 | Subject Debt Service Coverage Ratio | 1.37 | 1.44 | Verified | Lender used 100% of market rent $xxxx vs actual lease amount in file $xxxx. |
| 304849100 | Subject Debt Service Coverage Ratio | 1.17 | 1.29 | Verified | UW worksheet reflects rents as $xxxx, field value reflects market rent $xxxx. No lease in file and property marked vacant with rental listing. |
| 304844479 | Subject Debt Service Coverage Ratio | 2.41 | 2.14 | Verified | UW worksheet for insurance reflects $xxxx/mnth, documented insurance in file $xxxx/mnth. |
| 304819472 | Subject Debt Service Coverage Ratio | 1.69 | 1.72 | Verified | Lender used only xxxx tax for qualifying instead of $xxxx +City tax $xxxx from HUD. |

---

## Exhibit 99.03

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.03**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304352377 | 31201342 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 06/19/2024 |  |  | 1 D A |  | IN | Investment | Purchase | D A B |  | N/A | No |
| 304352377 | 31201343 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | xxxx | 06/19/2024 |  |  | 1 B A |  | IN | Investment | Purchase | D A B |  | N/A | No |
| 304379639 | 31464329 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MO | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 303760022 | 31801294 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 303760022 | 31801295 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A D |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304384680 | 31874855 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 304384680 | 31874890 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 304384680 | 31874899 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B | Non QM | Non QM | Yes |
| 304384680 | 31874900 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/10/2024 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 304384680 | 31874901 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/10/2024 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | Non QM | Non QM | Yes |
| 304384680 | 31896700 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/30/2024 | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/15/2025 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B | Non QM | Non QM | No |
| 304405110 | 31957881 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304405110 | 31957896 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304405110 | 31957907 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304415909 | 31995671 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $305.41 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/29/2024 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304415909 | 31995784 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304415909 | 31995785 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | B A | Non QM | Non QM | No |
| 304381135 | 32074822 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | WY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381135 | 32074824 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | xxxx | 07/09/2024 |  |  | 1 C A |  | WY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381135 | 32074825 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | xxxx |  |  | 07/01/2024 | 2 B |  | WY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381135 | 32074827 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | WY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304381135 | 32074828 |  | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxx |  |  |  | xxxx | 07/23/2024 |  |  | 1 C A |  | WY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304441888 | 32342886 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304441888 | 32342889 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $657.70 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/10/2024 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304441888 | 32342890 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $363.00 exceeds tolerance of $360.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/10/2024 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304441888 | 32421533 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304492573 | 32815458 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304492573 | 32815461 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $270.50 exceeds tolerance of $199.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/10/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304442366 | 32845550 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | CT | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304442366 | 32845551 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CT | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304442366 | 32845552 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | CT | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304442366 | 32845553 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 10 unit property exceeds max allowed of 8 units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 38.59<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 12/19/2024 | 2 C B |  | CT | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304442366 | 32845554 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A D |  | CT | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304442366 | 32845555 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | CT | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304486456 | 32874717 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304486456 | 32874718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304492272 | 32896078 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 02/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304492272 | 32896088 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Restricted Stock Agreement required to document the borrower has unrestricted access and to determine if the award is Time or Performance based |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304512133 | 32926724 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/05/2025 |  |  | 1 D A |  | TX | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304512133 | 32956825 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Good credit and employment history, low ratios, 20% equity and over 30 months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/02/2025 | 2 B |  | TX | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304636475 | 33108405 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-413.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304636475 | 33108407 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,116.90 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304638291 | 33145460 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304638427 | 33273379 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/26/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304638427 | 33273380 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/10/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304638427 | 33273381 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Deferment of Principal | Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. | xxxx |  |  |  | xxxx | 03/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304638427 | 33273382 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304638427 | 33273384 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | AUS DTI is 38.00%. Calculated DTI is 46.411% due to qualified Interest Only PITIA payment $xxxx - Variance 8.411% exceeds allowable 3.00% variance. |  |  |  | xxxx | 03/28/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304638427 | 33273385 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx |  |  | 03/10/2025 | 2 A B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304700346 | 33401282 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304700346 | 33401309 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304700346 | 33432617 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 350 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 06/16/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304685723 | 33435308 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $210.00 exceeds tolerance of $154.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/09/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304685723 | 33435311 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304688549 | 33440374 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304688549 | 33440577 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304688549 | 33440578 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,675.00 exceeds tolerance of $4,414.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304688549 | 33441513 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $200.00 compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304688549 | 33441514 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $200.00 compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| 304688549 | 33441515 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678664 | 33447429 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678664 | 33447548 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678664 | 33447549 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,716.15 exceeds tolerance of $-6,762.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304678664 | 33447551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304678664 | 33447552 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,967.50 exceeds tolerance of $5,775.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304678664 | 33477688 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/19/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678664 | 33477689 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,967.50 exceeds tolerance of $5,775.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/19/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700943 | 33453313 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304700943 | 33453636 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700936 | 33518904 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $188.00 exceeds tolerance of $94.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304708792 | 33548995 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 06/03/2025 |  |  | 1 C A |  | NJ | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304693485 | 33548856 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304705089 | 33548008 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/02/2025 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304705089 | 33548009 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/02/2025 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304705089 | 33548013 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | IN | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304692169 | 33562714 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304716591 | 33570716 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304716591 | 33570733 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/04/2025 |  | 1 A |  | KS | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304716591 | 33571080 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Purchase | B A | Non QM | Non QM | No |
| 304708757 | 33571598 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304720405 | 33626381 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720405 | 33626390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304720405 | 33626392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720405 | 33626395 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720405 | 33628875 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Good credit and employment history. Low ratios | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/18/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304720418 | 34106263 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 304720418 | 34106271 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 304720418 | 34106295 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 304720418 | 34106301 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 685 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 08/11/2025 | 2 C B |  | SC | Investment | Purchase | C B A |  | N/A | No |
| 304720447 | 33858093 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 07/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304720447 | 33858182 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 773 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 08/05/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304693571 | 33580670 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304671552 | 33583376 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304671552 | 33583380 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $255.90 exceeds tolerance of $136.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/05/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304709887 | 33730913 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304476831 | 33734176 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304476831 | 33734177 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304476831 | 33734178 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 02/13/2025 |  |  | 1 C A D |  | VA | Investment | Purchase | D A |  | N/A | No |
| 304707064 | 33734270 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 D A |  | WI | Investment | Purchase | D A |  | N/A | No |
| 304707064 | 33734271 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | WI | Investment | Purchase | D A |  | N/A | No |
| 304707081 | 33734383 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Appraisal value $xxxx less than guideline minimum $75,000. Comp factor DSCR more than 2.0. Comp factor met. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/02/2025 | 2 C B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304682555 | 33734395 |  | Credit | Guideline | Guideline Issue | Guideline | Housing payment lates are present within 24 months. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower's Own Funds Percent: 57.38%<br> Borrower's Own Funds Amount: $43,039.94<br>Debt Service Coverage Ratio: 2.19<br> Guideline Requirement: 1.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/30/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| 304708956 | 33734411 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/17/2025 |  |  | 1 A |  | MO | Investment | Purchase | A |  | N/A | No |
| 304721789 | 33811175 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 07/01/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304702581 | 33872453 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx |  |  |  | 2 B |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304702581 | 33872497 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 07/11/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304702581 | 33873921 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $137.90 exceeds tolerance of $128.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/09/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304702581 | 33879549 |  | Credit | Missing Document | General | Missing Document | Missing Document: Stock Certificate/Listing not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304731814 | 33871979 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304731814 | 33875784 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/09/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304709886 | 33901453 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $920.13 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/11/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304716493 | 33936750 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative is required from the borrower to describe the type of business and number of employees. Business narrative was not provided. |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304716493 | 33936751 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304716493 | 33936752 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304702999 | 33936964 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304751866 | 34015647 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304751866 | 34016774 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304751866 | 34016783 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304751866 | 34016794 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304751866 | 34016795 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304751712 | 34070458 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304751712 | 34070459 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304751712 | 34070462 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $690.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/29/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304751712 | 34070463 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $128.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/29/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304707079 | 34098090 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304707079 | 34098091 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 07/07/2025 |  |  | 1 B A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304681431 | 34098154 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 06/24/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| 304734610 | 34098337 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304730176 | 34153167 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $117.51 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304730176 | 34153168 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/06/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304755079 | 34171413 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304755079 | 34246723 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $202.00 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/19/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304730273 | 34174532 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NM | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304730273 | 34174537 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 09/16/2025 |  | 2 C B |  | NM | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304677095 | 34145044 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | Borrower's Experience/Track Record | 2.5 years in business. | SitusAMC,Originator | xxxx |  |  | 02/13/2025 | 2 C B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304682469 | 34145098 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 06/20/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304705591 | 34145243 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved at Origination for commercial blanket policy not being Escrowed | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145244 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145245 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145246 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304705591 | 34145247 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/06/2025 | 2 B |  | TN | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304730745 | 34203310 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304730745 | 34203311 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-7.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304730745 | 34203313 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $383.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304730745 | 34203315 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $516.08 exceeds tolerance of $400.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304730745 | 34322205 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | CT | Primary | Purchase | C A | Non QM | Non QM | No |
| 304730745 | 34347124 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $516.08 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/03/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304764425 | 34343165 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 795 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/10/2025 | 2 C B |  | VA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304764425 | 34343171 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/10/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304764425 | 34343172 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.36265% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 795 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/10/2025 | 2 C B |  | VA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304764425 | 34343174 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304707087 | 34180114 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304707087 | 34180115 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on UW Narrative approval to use as-is value. Property was previous sheriffs sale $xxxx resold to xxxx xx/xx/xxxx for $xxxx. Property extensively rehabbed and is now slightly below market per appraisal. Request to use as is value vs 120%. Lender discretion approved to use as-is value vs 120% with 12 months reserves, DSCR 1.8 and satisfactory mortgage history. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $221,774.36<br>Debt Service Coverage Ratio: 1.84<br> Guideline Requirement: 1.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/13/2025 | 2 B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304707089 | 34180117 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW narrative reflects exception to proceed using as is value instead of 120% of previous sheriff sale/foreclosure. Comp factors: 12 months reserves, DSCR 1.9, satisfactory mortgage history. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $221,774.36<br>Debt Service Coverage Ratio: 1.88<br> Guideline Requirement: 1.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/13/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304707089 | 34180118 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304707090 | 34180121 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW narrative reflects exception to proceed using as is value instead of 120% of previous sheriff sale/foreclosure. Comp factors: 12 months reserves, DSCR 1.5, satisfactory mortgage history. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $221,774.36<br>Debt Service Coverage Ratio: 1.52<br> Guideline Requirement: 1.00 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/13/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304707090 | 34180122 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304750330 | 34180234 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A D |  | PA | Investment | Purchase | D A |  | N/A | No |
| 304734582 | 34180245 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304734575 | 34180266 |  | Credit | Missing Document | General | Missing Document | Missing Document: Arbitration Agreement not provided |  | xxxx |  |  |  | xxxx | 07/18/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304763234 | 34229600 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $28,096.00 exceeds tolerance of $27,850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/18/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304764092 | 34228879 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304734831 | 34229418 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304767972 | 34229889 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 09/13/2025 |  |  | 1 D A |  | PA | Primary | Refinance - Rate/Term | D A | Non QM | Non QM | No |
| 304767972 | 34356353 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $545.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/04/2025 |  | 1 A |  | PA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304767972 | 34356354 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/04/2025 |  | 1 A |  | PA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304767972 | 34356355 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.88 exceeds tolerance of $113.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/04/2025 |  | 1 A |  | PA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304748419 | 34228448 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304760483 | 34239970 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304760464 | 34250419 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304766004 | 34257922 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $530.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/21/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304754805 | 34266555 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304754805 | 34266563 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304754805 | 34266565 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,788.05 exceeds tolerance of $1,763.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/22/2025 |  | 1 A |  | FL | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304754798 | 34270737 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304754798 | 34270802 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/22/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304768664 | 34267903 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $259.70 exceeds tolerance of $232.00 plus 10% or $255.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/22/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304768664 | 34267905 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $103.15 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/22/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304767974 | 34369007 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304767974 | 34369008 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,654.00 exceeds tolerance of $3,115.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304734125 | 34266949 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304717984 | 34276196 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $87.74 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/25/2025 |  | 1 A |  | KY | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304813217 | 34276165 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Purchase | B A | Non QM | Non QM | No |
| 304813217 | 34276166 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Purchase | B A | Non QM | Non QM | No |
| 304754945 | 34225273 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,587.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 07/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304780144 | 34279693 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $97.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/25/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304671262 | 34243919 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: "3" Years of Experience. | SitusAMC,Originator | xxxx |  |  | 12/08/2024 | 2 C B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 304767969 | 34299140 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304765323 | 34296604 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304764087 | 34298195 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304764087 | 34298256 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304764087 | 34298266 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 B A C |  | LA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304764087 | 34298269 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304776893 | 34298213 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $610.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | NM | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304766106 | 34297532 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/26/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304765853 | 34299963 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304777620 | 34342799 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 745 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/16/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304751709 | 34322530 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304751709 | 34322534 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $21,725.35 exceeds tolerance of $10,794.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/29/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304751709 | 34322540 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304751709 | 34584642 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  |  |  |  |  | 2 A B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304750539 | 34325441 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304750539 | 34325445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/29/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304811450 | 34322948 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304816012 | 34323955 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 304760362 | 34333294 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304756855 | 34332698 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304750279 | 34281465 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A D |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304750279 | 34281466 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304707015 | 34281476 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708928 | 34281517 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception is approved and requested for Property appraised value proceed at $xxxx value, Property as is value < minimum $xxxx vs $75k min. Approved to proceed at $xxxx value and FICO 771. Asset to be documented with 12 months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.95<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 771 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 06/05/2025 | 2 B |  | PA | Investment | Purchase | B A |  | N/A | No |
| 304753802 | 34281540 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 06/25/2025 |  |  | 1 C A |  | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750244 | 34281688 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/28/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304764147 | 34281725 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 08/01/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304750263 | 34281752 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | xxxx Water Contamination: Property is located in xxxx and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  | xxxx |  |  | 08/04/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304758697 | 34281769 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 08/06/2025 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304758697 | 34281770 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 08/06/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304758712 | 34281799 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file. Property Square Footage below minimum allowed by guidelines. Subject property approved to proceed with 673 sq ft. Comps bracket property size. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 5 Years of Experience. | SitusAMC<br>SitusAMC | xxxx |  |  | 08/04/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304758712 | 34281800 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | xxxx Water Contamination: Property is located in xxxx and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  | xxxx |  |  | 08/07/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304811765 | 34363614 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $104.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/05/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304817549 | 34374523 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 31.69067% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/30/2025 | 2 C B |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304817549 | 34374532 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 B A C |  | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304817549 | 34374533 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | MI | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304751865 | 34373612 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.88 exceeds tolerance of $113.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/08/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304812836 | 34478459 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,183.35 exceeds tolerance of $809.00. $374.35 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304774670 | 34391379 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304818291 | 34391306 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304818291 | 34478150 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304821125 | 34399173 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | MI | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304817642 | 34398656 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304823416 | 34415969 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.50 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/11/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304776926 | 34415805 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304734571 | 34415233 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304753767 | 34415252 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | WI | Investment | Purchase | C B A |  | N/A | No |
| 304753767 | 34415253 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/28/2025 | 2 C B |  | WI | Investment | Purchase | C B A |  | N/A | No |
| 304753767 | 34415255 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | WI | Investment | Purchase | C B A |  | N/A | No |
| 304767197 | 34415432 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 08/14/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304812006 | 34415547 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304816489 | 34428608 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/12/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304816489 | 34428609 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304816489 | 34565980 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 796 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/07/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304816489 | 34567546 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304816489 | 34567547 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304816489 | 34567548 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.32145% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | 796 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/07/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304769632 | 34431179 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304769632 | 34431184 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| 304826875 | 34427623 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826875 | 34427641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304826875 | 34427644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 70.33793% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826875 | 34427659 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826875 | 34427678 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826875 | 34502971 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304821142 | 34427195 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $44.00 exceeds tolerance of $43.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/12/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304823415 | 34449023 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304823415 | 34449024 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $113.75 exceeds tolerance of $113.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304823415 | 34449043 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304820257 | 34447018 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $243.49 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/15/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304820257 | 34447044 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304754944 | 34444685 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 07/22/2025 | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304754944 | 34444689 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304749857 | 34445044 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749857 | 34445047 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less 25% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749857 | 34445048 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749857 | 34445050 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304749857 | 34445051 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749857 | 34445052 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 08/01/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749857 | 34445054 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 08/05/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304749857 | 34445055 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304813304 | 34475130 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/16/2025 |  | 1 A |  | WI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304777796 | 34472189 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304818285 | 34482023 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $172.62 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/17/2025 |  | 1 A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304818285 | 34482042 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| 304819207 | 34492694 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304819207 | 34492695 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/18/2025 |  | 1 A |  | CO | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304819207 | 34492697 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/18/2025 |  | 1 A |  | CO | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304819207 | 34492719 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304826883 | 34493030 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304826883 | 34493046 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304826883 | 34493049 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/18/2025 |  | 1 A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304817638 | 34492154 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304817638 | 34492201 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $85.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/18/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304644112 | 34498109 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. |  | xxxx |  |  |  | xxxx | 10/04/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304758484 | 34499258 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304758484 | 34499261 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/19/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304758484 | 34499262 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/19/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304816461 | 34517054 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304758732 | 34514595 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance does not name lender as mortgagee |  | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304708916 | 34514597 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304708916 | 34514598 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304708916 | 34514599 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304734646 | 34514605 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape is requested for property other 1st time Home-Buyer however, borrower provided proof of 12-months rental history and payment. Exception approved with compensating factors: with reserves of 400k+ in excess and 782 FICO. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $510,828.60<br>Guidelines Representative FICO: 680<br> Representative FICO: 782 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 07/10/2025 | 2 B |  | OR | Investment | Purchase | B A |  | N/A | No |
| 304758710 | 34514614 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/29/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 304812054 | 34514616 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304812054 | 34514617 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304812054 | 34514618 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested and approved for the appraised value $xxxx which is less than $75,000 as required by guideline with the compensating factors of 797 FICO and DSCR to remain at 1.7 or higher. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/18/2025 | 2 B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304758691 | 34514625 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304811977 | 34514655 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. The lender exception has been requested and approved to proceed with mortgage late payments 2x30x12 with the compensating factors of LTV max of 75%, 718 FICO and DSCR to remain at 1.3 or higher. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/25/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304754626 | 34514663 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject appraisal reflected the basement water might be a safety issue and the 1004D reflected work was completed but recommended repairs to reduce water to the basement which included a sump pump and water pressure relief. Contractor estimate was provided for $xxxx. The Underwriter narrative was not provided in file to reflect if item was addressed. |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304819458 | 34514667 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is in file as Approved exception is submitted for felony on background check non financial. |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304819458 | 34514669 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304811939 | 34514693 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | KS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304812050 | 34514700 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304811932 | 34514712 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflect a different lender. Appraisal transfer letter is provided. Exception approval for transferred appraisal is found on the UW narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304812070 | 34514726 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. The lender exception has been requested and approved for the appraised value $xxxx which is less than $75,000 as required by guideline with the compensating factors of 762 DSCR to remain at 1.9 or higher. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/26/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304812070 | 34514727 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR Worksheet reflects $xxxx other monthly expenses. Please provide documentation for verification of the expense. Additional exceptions may apply. |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304819459 | 34514744 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval for non-approved AMC is found on the UW narrative. |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 304811943 | 34514754 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter and proof of paid invoice are provided. Lender Exception not found in file. |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304825009 | 34514780 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 304812001 | 34514784 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Lender exception has been requested and approved for the appraised value of $xxxx which is less than $75,000 as required by guidelines. Compensating factors DSCR > 1.100, 12 months excess reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: "11" Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 09/02/2025 | 2 B |  | AL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304819474 | 34514788 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appraisal indicates property was vacant at the time of inspection. Lease and xxxx agreement provided. Total rent is $xxxx and security deposit is $xxxx. Of the total rent, xxxx shall pay $xxxx and the borrower shall pay $xxxx. File has a total rent and security deposit by the borrower in the amount of $xxxx. Missing copy of payment from xxxx. |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | AR | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304824974 | 34514806 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 09/04/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304824974 | 34514807 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: "4" Years of Experience. | SitusAMC,Originator | xxxx |  |  | 09/05/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304824963 | 34514809 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/04/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304823408 | 34528117 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304823408 | 34528227 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $795.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/23/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304825294 | 34540455 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304825294 | 34540489 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304825294 | 34540493 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $423.20 exceeds tolerance of $420.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/24/2025 |  | 1 A |  | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304840201 | 34538952 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840201 | 34539220 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/11/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304840201 | 34539276 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304825101 | 34549171 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $638.00 exceeds tolerance of $450.00 plus 10% or $495.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/25/2025 |  | 1 A |  | WA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304825101 | 34549172 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/25/2025 |  | 1 A |  | WA | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304828350 | 34580184 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304843010 | 34588095 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $169.50 exceeds tolerance of $111.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/29/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304843010 | 34588096 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304846413 | 34588828 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304826764 | 34597413 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/30/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304818391 | 34596437 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304818391 | 34596440 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,065.15 exceeds tolerance of $1,407.00 plus 10% or $1,547.70. $1,517.45 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304818391 | 34596965 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304818391 | 34738717 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,065.15 exceeds tolerance of $2,718.00 plus 10% or $2,989.80. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304846510 | 34606969 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $100.00 plus 10% or $110.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304780136 | 34605796 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Second Home | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304780136 | 34605817 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.00 exceeds tolerance of $111.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | NJ | Second Home | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304844573 | 34605512 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $269.50 exceeds tolerance of $190.00 plus 10% or $209.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/01/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304736165 | 34649393 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $205.00 exceeds tolerance of $82.00 plus 10% or $90.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | HI | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304736165 | 34649394 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $600.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | HI | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304736165 | 34649395 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $95.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | HI | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304848636 | 34649355 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $162.48 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304852008 | 34660054 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304844597 | 34687113 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 304844597 | 34687127 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $103.84 exceeds tolerance of $103.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304758429 | 34682559 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304840883 | 34696620 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304847832 | 34728208 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 304668405 | 34703950 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304668405 | 34703952 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304668405 | 34703953 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304668405 | 34703954 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asset statement in file for xxxx is missing page 2 of 3 for the 12/9/2024-1/9/2025 statement and pages 1 and 2 of the 11/10/2024-12/9/2024 statement. Provide all pages of the statements. |  |  |  | xxxx | 03/26/2025 |  |  | 1 A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304851996 | 34729703 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304851996 | 34729713 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304751774 | 34733774 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304751774 | 34733776 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304751774 | 34733777 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304751774 | 34733782 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Exchange Fee. Fee Amount of $700.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 08/29/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304751774 | 34733783 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $509.00 exceeds tolerance of $321.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304751774 | 34733785 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 08/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304751774 | 34733786 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304751774 | 34733787 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| 304751774 | 34733788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304751774 | 34733789 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304757296 | 34733812 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 D A |  | NH | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304757296 | 34733813 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304757296 | 34733814 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304757296 | 34733816 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304757296 | 34733817 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 24 months of full document income is required. Provide the 2023 W2s. |  |  |  | xxxx | 09/10/2025 |  |  | 1 A |  | NH | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 304748395 | 34733998 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34733999 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34734000 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34734002 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34734003 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34734006 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. |  | xxxx |  |  |  | xxxx | 09/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34734007 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing one of the following below along with evidence in business for 2 years. <br> \*Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304748395 | 34734008 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304748395 | 34734009 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | D A C | Non QM | Non QM | No |
| 304755014 | 34734088 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 B A |  | MI | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304754662 | 34734217 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 09/11/2025 |  |  | 1 C A |  | IL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304765424 | 34734252 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Property type discrepancy. | Appraisal property type of ___ does not match AUS property type of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 129 vs 6 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/09/2025 | 2 C B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304819849 | 34734262 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | Non QM | N/A | No |
| 304819849 | 34734263 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 09/10/2025 | 2 B |  | NC | Investment | Purchase | C B A | Non QM | N/A | No |
| 304828955 | 34734423 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304828955 | 34734426 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304828955 | 34734427 |  | Credit | Missing Document | General | Missing Document | Missing Document: VVOE not provided |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304828955 | 34734428 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing VVOE for B1 to complete 2 years history, xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304828955 | 34734429 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 09/22/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304828955 | 34734430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304421503 | 34734577 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 11/24/2024 | 2 C B |  | IA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304421503 | 34734578 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A D |  | IA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304421503 | 34734579 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/24/2024 |  |  | 1 C A |  | IA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304421503 | 34734580 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | IA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304421503 | 34734581 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | IA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304421503 | 34734582 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 06/10/2025 |  |  | 1 C A |  | IA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304756707 | 34734602 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/04/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304756707 | 34734604 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The appraisal revealed property damage. |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 A |  | CT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304777633 | 34734686 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304777633 | 34734687 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304777633 | 34734688 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304777633 | 34734689 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A D |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304777633 | 34734690 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304777633 | 34734691 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304777633 | 34734694 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304789553 | 34734704 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 10/01/2025 | 2 C B |  | MN | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304789553 | 34734705 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 C A |  | MN | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304789553 | 34734706 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A D |  | MN | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304789553 | 34734707 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 A |  | MN | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304822795 | 34734735 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304822795 | 34734736 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304822795 | 34734737 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304822795 | 34734738 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304822795 | 34734739 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 09/12/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304822747 | 34734782 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304822747 | 34734783 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304822747 | 34734784 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 09/09/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304769705 | 34734792 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304769705 | 34734793 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304777297 | 34734801 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304777297 | 34734802 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | xxxx |  |  |  | xxxx |  |  | 09/09/2025 | 2 B |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304789555 | 34734809 |  | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Additional review of county required.<br>Security Instrument County: ___. | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304789555 | 34734810 |  | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | - Additional review of valuation company required.<br>Valuation Company: ___ | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304789555 | 34734811 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | xxxx |  |  | 09/10/2025 | 2 B |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304789555 | 34734812 |  | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | - Additional review of appraiser and/or supervisory appraiser required.<br>Appraiser: ___ ___<br> Supervisory Appraiser: ___ ___ | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304789555 | 34734813 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304769644 | 34734862 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304769644 | 34734863 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304702967 | 34734909 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 37.81<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 769 | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | xxxx |  |  | 08/09/2025 | 2 C B |  | IL | Investment | Purchase | C B A |  | N/A | No |
| 304826920 | 34734927 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304826920 | 34734929 |  | Credit | Missing Document | General | Missing Document | Missing Document: Condo/PUD Warranty not provided |  | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304822775 | 34734930 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | OK | Investment | Purchase | D A |  | N/A | No |
| 304822775 | 34734931 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A D |  | OK | Investment | Purchase | D A |  | N/A | No |
| 304825099 | 34738854 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304825099 | 34738855 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $375.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304855086 | 34740725 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304855086 | 34740726 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304750319 | 34735830 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304758702 | 34735832 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304758702 | 34735833 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 08/08/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304764170 | 34735835 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects deferred maintenance: siding damage with cost to cure at $xxxx and exposed electrical for $xxxx with total cost to cure at $xxxx. HUD 1 reflects holdback of $xxxx(150% of the cost). 442/1004D completion certificate is not provided and required by the escrow holdback agreement that was signed by the Borrower. |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304811919 | 34735845 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304824939 | 34735854 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject appraisal indicates one of the units was vacant at the time of inspection. Lease provided for both units, however, approval required copy of rent check or security deposits which are missing. |  |  |  | xxxx | 09/04/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304824939 | 34735855 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304825020 | 34735865 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 304825020 | 34735866 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception on tape. Credit does not meet Tradeline Requirement,per email from management life insurance policy being used for alt credit. seeking approval for alt credit. Exception approved to utilize alternative credit. Borrower provided life insurane policy w/ proof of payment. Comp Factors: 65% LTV, 6 months excess reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/04/2025 | 2 B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 304812051 | 34735867 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/08/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304812051 | 34735869 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Property value $xxxx is less than guideline required $75,000. Comp factor DSCR over 1.7. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/04/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304824972 | 34735878 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 09/08/2025 | 2 C B |  | GA | Investment | Purchase | C B A |  | N/A | No |
| 304825014 | 34735900 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/09/2025 | 2 C B |  | IN | Investment | Purchase | C B A |  | N/A | No |
| 304824970 | 34735908 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824970 | 34735909 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304812072 | 34735912 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304811983 | 34735916 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/10/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304824959 | 34735924 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/14/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824960 | 34735926 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 09/10/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824960 | 34735927 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824949 | 34735936 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 09/11/2025 |  |  | 1 C A |  | OK | Investment | Purchase | C A |  | N/A | No |
| 304811996 | 34735939 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824952 | 34735942 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Subject property square footage 672 less than guideline required 700 square footage. Comp factors 795 FICO, 1.200 DSCR and 50+ months reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/09/2025 | 2 B |  | NC | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304811874 | 34735968 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter and paid invoice are provided. |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304811971 | 34735977 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception on Tape: Property As Is value < Minimum xxxx vs 75,000 min Approved to proceed with near miss on value $xxxx vs $75k. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC | xxxx |  |  | 09/11/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304824967 | 34735988 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824967 | 34735989 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  |  |  |  | xxxx | 09/11/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304764234 | 34735994 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/15/2025 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304824964 | 34735999 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304753755 | 34736000 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 D A |  | LA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304764207 | 34736001 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/16/2025 | 2 B |  | AL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304844498 | 34736009 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. | SitusAMC,Originator | xxxx |  |  | 09/18/2025 | 2 C B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304824953 | 34736019 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | MS | Investment | Purchase | C A |  | N/A | No |
| 304824921 | 34736021 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape, exception is approved and requested for Property as is value < minimum 645 vs 700 min Property < 700 Sq ft. Comps provided similar size and support square footage as being typical for the area. Comp factors: 727 FICO, 40+ months in excess reserves. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844472 | 34736037 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Approved to proceed with appraised value $xxxx which is less than $75,000 as required by guideline. Compensating factors of 727 FICO and DSCR to remain at 1.8 or higher, 200k+ in excess reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/18/2025 | 2 B |  | OH | Investment | Purchase | B A |  | N/A | No |
| 304824942 | 34736042 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844494 | 34736048 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative. |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844494 | 34736049 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/22/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844416 | 34736052 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844481 | 34736072 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844481 | 34736073 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844507 | 34736079 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Appraised value $xxxx is less than $75,000 as required by guidelines. Compensating factors of DSCR > 2.00, 15 months excess reserves. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/22/2025 | 2 B |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304844507 | 34736080 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304819483 | 34736096 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape is requested and approved for property square footage below minimum Sq ft 648 required sq ft is 700. Approved to proceed at 648 sq ft. FICO 793. with compensating factors experienced investor for 3+ years. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/24/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304852956 | 34749757 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $163.24 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2025 |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304854848 | 34750268 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304854848 | 34750271 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304838933 | 34761719 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/20/2025 |  | 1 A |  | IN | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304856496 | 34760631 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304856496 | 34760633 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Purchase | No obvious cure B A | Non QM | Non QM | No |
| 304860213 | 34767136 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304847526 | 34784233 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304847526 | 34786489 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Purchase | B A | Non QM | Non QM | No |
| 304866593 | 34784465 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304833268 | 34784444 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $85.50 exceeds tolerance of $85.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/23/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304847780 | 34784876 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304843019 | 34791764 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304843019 | 34791774 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $535.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304846243 | 34803271 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-13,136.31 exceeds tolerance of $-13,689.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304846243 | 34803272 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $575.00 exceeds tolerance of $375.00 plus 10% or $412.50. $162.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304846243 | 34841918 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $575.00 exceeds tolerance of $375.00 plus 10% or $412.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/29/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304856494 | 34792283 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304856494 | 34797178 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304706965 | 34802049 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304706965 | 34802050 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304706965 | 34802051 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 06/02/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304706965 | 34802052 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file does not document that the lien listed on title associated with the subject property was satisfied at closing $xxxx. |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304706965 | 34802053 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/23/2025 |  |  | 1 A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304706965 | 34802054 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: ___; <br> Disaster Declaration Date: ___; <br> Most Recent Disaster End Date: ___ | xxxx |  |  |  | xxxx | 07/02/2025 |  |  | 1 A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304767199 | 34802055 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304767199 | 34802056 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304767199 | 34802057 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record. The borrower has: 3 Years of Experience. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 09/02/2025 | 2 B |  | FL | Investment | Purchase | C B A |  | N/A | No |
| 304811920 | 34802060 |  | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., AirBnB) and evidence of at least 12 months of Operating History is not present in the loan file. |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844493 | 34802064 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844460 | 34802066 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844460 | 34802067 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844463 | 34802084 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844403 | 34802094 |  | Credit | Missing Document | General | Missing Document | Missing Document: Appraisal Transfer Letter not provided |  | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304844450 | 34802096 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | xxxx Water Contamination: Property is located in xxxx and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  | xxxx |  |  | 10/01/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849126 | 34802130 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative. Proof of paid invoice required by the exception approval is also provided in file. |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | IA | Investment | Purchase | C A |  | N/A | No |
| 304849200 | 34802183 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape: Lender exception approved to proceed with property GLA of 592 which does not meet guideline requirements. Compensating factors: FICO 723. DSCR to remain at 1.5 or higher. | Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/07/2025 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304849200 | 34802184 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | xxxx Water Contamination: Property is located in xxxx and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 B A |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304849206 | 34802186 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape: Lender exception approved for the property square feet, which is 500 and does not meet guideline requirements. Compensating Factor: FICO of 723, comparable properties bracket the subject's size. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/03/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849206 | 34802187 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | xxxx Water Contamination: Property is located in xxxx and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  | xxxx |  |  |  | xxxx |  |  | 10/07/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849207 | 34802189 |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | xxxx Water Contamination: Property is located in xxxx and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  | xxxx |  |  |  | xxxx |  |  | 10/07/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849207 | 34802190 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Property square footage of 517 is less than guideline requirement. Comp factors FICO 723 and LTV 66%. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/06/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849189 | 34802242 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849189 | 34802243 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849189 | 34802244 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304849189 | 34802246 |  | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844491 | 34802251 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for transferred appraisal by approved AMC with paid invoice in & transfer letter in file. |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304824933 | 34802264 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Signature page no. 09 is missing for the guaranty agreement. |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304849229 | 34802268 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Subject property square footage 679 less than guideline required minimum 700 square footage. Comp factors 784 FICO. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/07/2025 | 2 B |  | KY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304847745 | 34802270 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304865252 | 34929428 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx |  |  | 09/19/2025 | 2 B |  | CA | Investment | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865256 | 34929439 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $115.00 plus 10% or $126.50. $23.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/02/2025 |  | 2 C B |  | CA | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304865257 | 34929484 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865257 | 34929487 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx |  |  | 10/14/2025 | 2 B |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304865254 | 34929500 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx |  |  | 10/14/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304844513 | 34936706 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304847720 | 34936713 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 304812000 | 34936714 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304849234 | 34936722 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849234 | 34936723 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849151 | 34936726 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C A |  | N/A | No |
| 304766083 | 35008611 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304766083 | 35008613 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/11/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304766083 | 35008614 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304766083 | 35008617 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304766083 | 35008619 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 09/08/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304766083 | 35008620 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 55.05933% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304766083 | 35008621 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304766083 | 35008622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304819532 | 35008755 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 304819532 | 35008757 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 09/24/2025 |  |  | 1 B A |  | NH | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 304819532 | 35008758 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | C A B | Non QM | Non QM | No |
| 304839406 | 35008790 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 10/07/2025 | 2 B |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304839406 | 35008791 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The 2024 7004 is missing in file for business xxxx.. |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304839406 | 35008792 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 B A C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304839406 | 35008793 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304839406 | 35008794 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 10/07/2025 | 2 B |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304839406 | 35008795 |  | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided |  | xxxx |  |  |  | xxxx | 09/30/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304839406 | 35008796 |  | Credit | Missing Document | General | Missing Document | Missing Document: Tax Return Extension (for Business) not provided |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304826919 | 35008803 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008804 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008805 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008806 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008807 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008808 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Third party verification and CPA Letter/ regulatory agency to verify borrower have been self-employed for at least two years in the same business and business is active and operating either no more than 10 business days prior to the Note Date. Need evidence of Current work or current receipts. Require Business Narrative from the borrower to describe the type of business and number of employees as it was missing in file. |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008810 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008811 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008812 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304826919 | 35008813 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008815 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008816 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304826919 | 35008818 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304823958 | 35008827 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 D A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008828 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008829 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008830 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008831 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A business narrative is required from the borrower to describe the type of business and number of employees as it was missing in file. |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008832 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008834 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 D A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008836 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008837 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008838 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304823958 | 35008839 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | KS | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304823958 | 35008842 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | KS | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304825234 | 35008864 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative is missing for xxxx. |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304825234 | 35008867 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. | xxxx |  |  |  | xxxx |  | 09/29/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304825234 | 35008868 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 10/02/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304825234 | 35008869 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304847547 | 35008903 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 B A |  | SC | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304846278 | 35008907 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or Cashflow Analysis is missing for self-employment income. |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304846278 | 35008909 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 B A C |  | GA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304846278 | 35008910 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304846278 | 35008912 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/03/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304857380 | 35009036 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 10/02/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304857380 | 35009038 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857380 | 35009039 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857380 | 35009041 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower qualified with 12 months bank statement income, and we have captured 10 months consecutive bank statements however require Bank statement for the month of Aug 25 ending 08/31/25 and Sep 24 ending 09/30/24 as it is missing in file for income calculation. |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857380 | 35009043 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857379 | 35009069 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857379 | 35009070 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857379 | 35009072 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower qualified with 12 months bank statement income, and we have captured 11 months consecutive bank statements and require 1 month Avidbank business bank statement #xxxx with ending balance dated 08/31/25. |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857379 | 35009075 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 10/03/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304857379 | 35009076 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal does not support the appraised value. |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304857379 | 35009077 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| 304827290 | 35009097 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304827290 | 35009099 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304827290 | 35009100 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825281 | 35009128 |  | Credit | Missing Document | General | Missing Document | Missing Document: Balance Sheet not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825281 | 35009129 |  | Credit | Missing Document | General | Missing Document | Missing Document: P&L Statement not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825281 | 35009130 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Year-to-date profit and loss (P&L) statement and balance sheet. Compliance related |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304825281 | 35009131 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304825281 | 35009132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304856207 | 35009154 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 2024 K-1 for xxxx, Missing 2024 K-1 for xxxx, compliance related |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 304847852 | 35009155 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 304847852 | 35009157 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 B A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 304847852 | 35009158 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | UT | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304847852 | 35009160 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide 2023 transcripts. |  |  |  | xxxx | 10/15/2025 |  |  | 1 A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
| 304842870 | 35009204 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304842870 | 35009205 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304842870 | 35009207 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 10/19/2025 |  |  | 1 A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
| 304854970 | 35009233 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 10/10/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304854970 | 35009236 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 304854970 | 35009237 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304854970 | 35009238 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304854970 | 35009239 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Verification that the business is active and operating either no more than 10 business days prior to the Note Date. <br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related. |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304854970 | 35009240 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304854970 | 35009241 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304839451 | 35009267 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,712.00 exceeds tolerance of $0.00. $3,712.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304839451 | 35009270 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304839451 | 35009271 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: Salena Martin Bracamontes | Guidelines require a verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: <br> 1. Evidence of current work (executed contracts or signed invoices) or<br> 2. Evidence of current business receipts or <br> 3. Business website demonstrating activity supporting current business operations for xxxx.<br>Compliance related |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304839451 | 35009272 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304839451 | 35009273 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304839451 | 35009274 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304839451 | 35009275 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304846225 | 35009313 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 10/15/2025 | 2 B |  | GA | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304846225 | 35009315 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304838857 | 35009317 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 10/23/2025 | 2 B |  | AZ | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304838857 | 35009319 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304838857 | 35009320 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,067.00 exceeds tolerance of $650.00. $417.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304840949 | 35009366 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 B A C |  | WI | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304840949 | 35009367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840949 | 35009368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840949 | 35009371 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840949 | 35009373 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840949 | 35009374 |  | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 304840949 | 35009375 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
| 304846282 | 35009385 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| 304846282 | 35009386 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
| 304843288 | 35009395 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 B A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304843288 | 35009396 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  | xxxx |  |  | 10/21/2025 | 2 B |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304843288 | 35009397 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C B A | N/A | N/A | No |
| 304843001 | 35009432 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304843001 | 35009433 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304767870 | 35009436 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | TX | Primary | Purchase | A | Non QM | Non QM | No |
| 304861620 | 35009479 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CO | Investment | Purchase | C A | N/A | N/A | No |
| 304838872 | 35009487 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304891084 | 35009493 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative required for xxxx and xxxx. |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| 304891084 | 35009494 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $1000.00 (2025) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 10/22/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 304868137 | 35009501 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
| 304684733 | 35009525 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304702974 | 35009529 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | xxxx | 06/11/2025 |  |  | 1 D A |  | MD | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304769672 | 35009539 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | MA | Investment | Purchase | D A C |  | N/A | No |
| 304769672 | 35009543 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | MA | Investment | Purchase | D A C |  | N/A | No |
| 304769672 | 35009544 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 D A |  | MA | Investment | Purchase | D A C |  | N/A | No |
| 304769672 | 35009545 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | MA | Investment | Purchase | D A C |  | N/A | No |
| 304769672 | 35009546 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 08/19/2025 |  |  | 1 A |  | MA | Investment | Purchase | D A C |  | N/A | No |
| 304736198 | 35009547 |  | Compliance | Note | General | Note | Prepayment Penalty Discrepancy |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 B A |  | WA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304763357 | 35009550 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/10/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304763357 | 35009551 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304763357 | 35009552 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304759923 | 35009555 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/03/2025 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304774689 | 35009563 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304774689 | 35009565 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304774689 | 35009566 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304823086 | 35009571 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A D |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304823086 | 35009572 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304828960 | 35009588 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304828960 | 35009589 |  | Credit | Guideline | General | Guideline | DSCR does not meet LTV requirements per guides |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304818442 | 35009594 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A D |  | PA | Investment | Purchase | D A |  | N/A | No |
| 304818442 | 35009595 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 304818442 | 35009597 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | PA | Investment | Purchase | D A |  | N/A | No |
| 304827021 | 35009605 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304827021 | 35009607 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304827021 | 35009608 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304827021 | 35009609 |  | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Additional review of county required.<br>Security Instrument County: ___. |  |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304827021 | 35009610 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/13/2025 | 2 B |  | MD | Investment | Refinance - Cash-out - Other | C B A |  | N/A | Yes |
| 304846832 | 35009612 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304844365 | 35009615 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A D |  | WI | Investment | Purchase | D A |  | N/A | No |
| 304844365 | 35009616 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | WI | Investment | Purchase | D A |  | N/A | No |
| 304844365 | 35009617 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | WI | Investment | Purchase | D A |  | N/A | No |
| 304844375 | 35009619 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844375 | 35009620 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844375 | 35009621 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844375 | 35009622 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844375 | 35009623 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844375 | 35009624 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844375 | 35009625 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304827577 | 35009627 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304838993 | 35009628 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304846539 | 35009633 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304846539 | 35009634 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304846539 | 35009635 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304846539 | 35009637 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304846539 | 35009638 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 D A |  | FL | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304846578 | 35009643 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840790 | 35009645 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840790 | 35009646 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 30 vs 3 | SitusAMC,Aggregator | xxxx |  |  | 10/14/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840751 | 35009647 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840774 | 35009653 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/08/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840774 | 35009654 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840774 | 35009656 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840775 | 35009657 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840775 | 35009658 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304843368 | 35009664 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 304843368 | 35009665 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 304852038 | 35009674 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | AL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304842925 | 35009676 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304779959 | 35009678 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304779959 | 35009680 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304826814 | 35009685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A D |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304826814 | 35009686 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304826814 | 35009688 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/27/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304818335 | 35009689 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304840777 | 35009691 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 15 vs 3 | SitusAMC,Aggregator | xxxx |  |  | 10/14/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304840788 | 35009694 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 27 vs 3 | SitusAMC,Aggregator | xxxx |  |  | 10/14/2025 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304827568 | 35009702 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 10/10/2025 | 2 B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304827568 | 35009703 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 10/10/2025 | 2 B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304827568 | 35009704 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A D |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304838995 | 35009710 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304838995 | 35009711 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304838995 | 35009712 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849313 | 35009723 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304849314 | 35009725 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849314 | 35009726 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304846579 | 35009727 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304846579 | 35009728 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304846579 | 35009731 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304711180 | 35009735 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304846969 | 35009736 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304858383 | 35009737 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304858383 | 35009738 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304858383 | 35009739 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304847857 | 35009740 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304847857 | 35009742 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304847857 | 35009743 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304779958 | 35009744 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304779958 | 35009745 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304779958 | 35009746 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304817627 | 35009748 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304861657 | 35009750 |  | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | Additional review of county required.<br>Security Instrument County: ___. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304861657 | 35009751 |  | Compliance | Compliance | State Compliance | State Defect | Maryland SB270 Prepayment Penalty Test 2009 Investment Test | Maryland SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | xxxx |  |  | 10/14/2025 | 2 B |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 304847758 | 35009757 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304849030 | 35009765 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 D A |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304849030 | 35009766 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 10/17/2025 | 2 B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304849030 | 35009767 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 10/17/2025 | 2 B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304819563 | 35009772 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304858370 | 35009773 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unapproved Lender Exception: Requesting exception to allow 48-month leases in support of rent. Guidance allows 12-36 month terms. Requesting exception for Buyer1 execution please. Compensating Factors: Large equity position (63% equity), Strong cash flow (high DSCR ratio), Large reserve (>1m). Review and confirm acceptability for downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/24/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304858424 | 35009778 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304858424 | 35009779 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304858424 | 35009781 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844829 | 35107475 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination as appraisal must be done by an approved AMC. Compensating factors were cited as 717 FICO, LTAIV 75.00%, and DSCR 1.95. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC | xxxx |  |  | 08/08/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844830 | 35107478 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception provided at origination for appraisal must be done by an approved AMC. Compensating factors cited as 717 FICO, LTAIV 75% and DSCR 1.85. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | SitusAMC | xxxx |  |  | 08/08/2025 | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844837 | 35107483 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved exception at origination if provided for first time homebuyer with no mortgage tradeline on credit. Compensating factors were cited as 724 FICO, LTAIV 70.00%, DSCR of 1.06 and experience of 1 fix and flip and 4 rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/14/2025 | 2 C B |  | MD | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 304844837 | 35107484 |  | Credit | Missing Document | General | Missing Document | Missing Document: Stated not provided |  | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 304844837 | 35107485 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx |  |  | 08/11/2025 | 2 A B |  | MD | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| 304844815 | 35107516 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx |  |  | 09/03/2025 | 2 A B |  | MI | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304844818 | 35107528 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for as is value $xxxx less than guideline required $100,000. Comp factors 796 FICO and DSCR 1.31. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 53.27<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 796 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/18/2025 | 2 B |  | MI | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844811 | 35107532 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 09/18/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844821 | 35107535 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx |  |  | 09/03/2025 | 2 A B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844836 | 35107538 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx |  |  | 09/03/2025 | 2 A B |  | TX | Investment | Refinance - Rate/Term | D B |  | N/A | No |
| 304844836 | 35107540 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 09/30/2025 | 2 C B D |  | TX | Investment | Refinance - Rate/Term | D B |  | N/A | No |
| 304844794 | 35107548 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | xxxx |  |  | 09/15/2025 | 2 A B |  | HI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304844794 | 35107549 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 D A |  | HI | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304844802 | 35107559 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject properties listed below in exhibit A occupancy across entire borrower portfolio (624 Units) = 91.3% . Compensating factors: FICO and DSCR. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Occupancy: Investment<br>Guidelines Representative FICO: 700<br> Representative FICO: 790<br>Debt Service Coverage Ratio: 1.63<br> Guideline Requirement: 1.00 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844802 | 35107560 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for "As-Is" value of subject less than $100,000. Compensating factors: FICO and DSCR. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Guidelines Representative FICO: 700<br> Representative FICO: 790<br>Occupancy: Investment<br>Debt Service Coverage Ratio: 1.63<br> Guideline Requirement: 1.00

# of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited): | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844802 | 35107561 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception in file for ineligible property type. Appraisal references moisture in the basement via the photo's. Licensed inspection is required along with cost to cure. Neither in file.. Compensating factors: FICO and DSCR. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Debt Service Coverage Ratio: 1.63<br> Guideline Requirement: 1.00<br>Occupancy: Investment<br>Guidelines Representative FICO: 700<br> Representative FICO: 790 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844803 | 35107564 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for as is value $xxxx less than $100,000. Comp factors 790 FICO and DSCR 1.52. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 700<br> Representative FICO: 790 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844803 | 35107565 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for number of properties within a complex or neighborhood. Comp factors 790 FICO and 1.52 DSCR. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 700<br> Representative FICO: 790 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844803 | 35107566 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for vacancy rates. Occupancy across entire borrower portfolio is 91.3%. Comp factors 790 FICO and 1.52 DSCR. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 700<br> Representative FICO: 790 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844800 | 35107574 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for xxxx limit the number of active loans to five loan applications with same borrower/guarantor at any given time. Comp factors 790 FICO and 1.13 DSCR. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Occupancy: Investment<br>Guidelines Representative FICO: 700<br> Representative FICO: 790 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844800 | 35107575 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for Occupancy rates across borrowers entire portfolio 91.3%. Comp factors 790 FICO and 1.13 DSCR. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years. | # of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 700<br> Representative FICO: 790<br>Occupancy: Investment | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304844801 | 35107583 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to limit the number of properties within a building, complex, street, neighborhood, subdivision or city to three (3) properties with the same borrower/guarantor at any given time. Compensating factors were cited as 790 FICO, DSCR of 1.52 and experience of 11+ rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 1,313.90<br> Guideline Requirement: 6.00

# of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 700<br> Representative FICO: 790 | SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/17/2025 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844801 | 35107585 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to limit the number of active loans to five (5) loan applications with the same borrower/guarantor at any given time. Compensating factors were cited as 790 FICO, DSCR of 1.52 and experience of 11+ rental units. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Guidelines Representative FICO: 700<br> Representative FICO: 790

# of Properties Completed: 20<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited): | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304844785 | 35107605 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 D A |  | AL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304844785 | 35107606 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for ineligible property type. The as-is property value is greater than 1.5x of the median home value within the same area where the property is located. Compensating factors were cited as 771 FICO and DSCR 1.57. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | AL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304844785 | 35107607 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for appraisal transfer from an AMC outside xxxx AMC roster. Compensating factors were cited as 771 FICO and DSCR 1.57. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | AL | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304844843 | 35107608 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for proceed with 5 DSCR purchases that have a blanket GL policy and not escrow. Compensating factors: FICO, DSCR, and LTV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reserves: 218.06<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $287,753.87 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | DE | Investment | Purchase | C B A |  | N/A | No |
| 304844843 | 35107610 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 218.06<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $287,753.87 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC | xxxx |  |  | 09/25/2025 | 2 C B |  | DE | Investment | Purchase | C B A |  | N/A | No |
| 304844842 | 35107612 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination to allow blanket GL policy with premium split between 5 DSCR purchases but not escrowed. Comp factors 785 FICO, 72.17% LTAIV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | DE | Investment | Purchase | B A |  | N/A | No |
| 304844806 | 35107615 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination to allow sale leaseback. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 778<br>Experience is 300 rental units. | SitusAMC,Originator<br>Originator,SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844806 | 35107616 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for commercial blanket policy not being escrowed. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 778<br>Experience is 300 rental units. | SitusAMC,Originator<br>Originator,SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844806 | 35107618 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844806 | 35107619 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844806 | 35107620 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | FICO 778<br>Experience is 300 rental units. | SitusAMC,Originator<br>Originator,SitusAMC<br>SitusAMC | xxxx |  |  | 09/25/2025 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844806 | 35107621 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | FICO 778<br>Experience is 300 rental units. | SitusAMC,Originator<br>Originator,SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304844841 | 35107630 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination to not escrow insurance due to blanket policy. Comp factors 785 FICO and 72.17% LTAIV. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/17/2025 | 2 B |  | DE | Investment | Purchase | B A |  | N/A | No |
| 304844793 | 35107637 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow pro-rated first months' rent to be less than 50% of the fully monthly rent payment, as pro-rated rent for 8/25 to 8/31 is $565 and full rental amount is $2,500 per month. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Occupancy: Investment<br>Guidelines Representative FICO: 660<br> Representative FICO: 745 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/18/2025 | 2 B |  | GA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304844510 | 35114406 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844512 | 35114408 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 08/29/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844511 | 35114411 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/02/2025 | 2 C B |  | OH | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304750212 | 35114415 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 B A |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304750212 | 35114416 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.57<br> Guideline Requirement: 1.00 | Originator,SitusAMC | xxxx |  |  | 10/10/2025 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304847731 | 35114418 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | MS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304847731 | 35114419 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | MS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304847676 | 35114421 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| 304847718 | 35114423 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A |  | N/A | No |
| 304847718 | 35114424 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A D |  | GA | Investment | Purchase | D A |  | N/A | No |
| 304849061 | 35114426 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304847735 | 35114428 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304849134 | 35114435 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 10/10/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849100 | 35114439 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 10/23/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304844474 | 35114443 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Cost (LTC) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Cost (LTC) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/10/2025 | 2 B |  | MS | Investment | Purchase | B A |  | N/A | No |
| 304844479 | 35114446 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304844430 | 35114448 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844430 | 35114449 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844443 | 35114451 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844443 | 35114452 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844442 | 35114454 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304844442 | 35114455 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 D A |  | OH | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304819472 | 35114457 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal is not in Lender's name. Lender Exception is found on UW Narrative and Appraisal Transfer Letter and paid invoice are provided. |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | MI | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304849071 | 35114463 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304849149 | 35114468 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 2.13<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 755 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/14/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304849150 | 35114470 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 680<br> Representative FICO: 755<br>Reserves: 47.48<br> Guideline Requirement: 6.63 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/14/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304867361 | 35114474 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The DSCR is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/14/2025 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |

---

## Exhibit 99.04

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.04**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304352377 | D | B | A | D | A | A | A | A |  |
| 304379639 | A | B | A | B | A | B | A | B |  |
| 303760022 | C D |  | A | C D | A |  | A | A |  |
| 304384680 | C | B | B | C | B | B | B | B |  |
| 304405110 | C | C | A | C | B | A | A | B |  |
| 304415909 | A | B | A | B | A | B | A | B |  |
| 304381135 | C | C | A | C | A | B | A | B |  |
| 304441888 | C | B | A | C | A | B | A | B |  |
| 304492573 | A | B | A | B | A | B | A | B |  |
| 304476698 | A |  | A | A | A |  | A | A |  |
| 304442366 | C D |  | A | C D | B |  | A | B |  |
| 304457443 | A |  | A | A | A |  | A | A |  |
| 304486456 | A | B | A | B | A | B | A | B |  |
| 304492272 | C | A | A | C | A | A | A | A |  |
| 304512133 | B | A | D | D | B | A | A | B |  |
| 304636475 | A | C | A | C | A | A | A | A |  |
| 304638291 | A | B | A | B | A | B | A | B |  |
| 304638427 | C | C | A | C | A | A B | A | A B |  |
| 304700346 | C |  | A | C | B |  | A | B |  |
| 304685723 | A | B | A | B | A | B | A | B |  |
| 304688549 | B | C | A | C | B | A | A | B |  |
| 304678664 | B | C | A | C | B | B | A | B |  |
| 304688457 | A | A | A | A | A | A | A | A |  |
| 304700943 | B | A | A | B | B | A | A | B |  |
| 304694180 | A | A | A | A | A | A | A | A |  |
| 304700936 | A | C | A | C | A | A | A | A |  |
| 304708792 | C | A | A | C | A | A | A | A |  |
| 304693485 | A | C | A | C | A | A | A | A |  |
| 304705089 | A | C | A | C | A | A | A | A |  |
| 304692169 | A | B | A | B | A | B | A | B |  |
| 304716591 | A | B | B | B | A | B | B | B |  |
| 304708757 | A | B | A | B | A | B | A | B |  |
| 304720443 | A | A | A | A | A | A | A | A |  |
| 304720405 | C | C | A | C | B | B | A | B |  |
| 304720418 | C |  | A | C | B |  | A | B |  |
| 304720447 | C |  | A | C | B |  | A | B |  |
| 304720404 | A |  | A | A | A |  | A | A |  |
| 304693571 | A | B | A | B | A | B | A | B |  |
| 304671552 | A | B | A | B | A | B | A | B |  |
| 304707676 | A | A | A | A | A | A | A | A |  |
| 304716520 | A | A | A | A | A | A | A | A |  |
| 304709887 | A | B | A | B | A | B | A | B |  |
| 304476831 | C D |  | A | C D | A |  | A | A |  |
| 304707064 | D |  | A | D | A |  | A | A |  |
| 304709038 | A |  | A | A | A |  | A | A |  |
| 304695648 | A |  | A | A | A |  | A | A |  |
| 304707081 | C |  | A | C | B |  | A | B |  |
| 304682555 | B |  | A | B | B |  | A | B |  |
| 304708947 | A |  | A | A | A |  | A | A |  |
| 304708956 | A |  | A | A | A |  | A | A |  |
| 304721789 | C | A | A | C | A | A | A | A |  |
| 304702581 | C | B | A | C | A | B | A | B |  |
| 304731814 | A | B | A | B | A | B | A | B |  |
| 304726416 | A | A | A | A | A | A | A | A |  |
| 304709886 | A | A | A | A | A | A | A | A |  |
| 304716493 | C | C | A | C | A | A | A | A |  |
| 304702999 | C |  | A | C | A |  | A | A |  |
| 304751866 | C | C | A | C | A | B | A | B |  |
| 304731323 | A |  | A | A | A |  | A | A |  |
| 304751712 | A | C | A | C | A | A | A | A |  |
| 304707079 | C |  | A | C | A |  | A | A |  |
| 304734653 | A |  | A | A | A |  | A | A |  |
| 304724116 | A |  | A | A | A |  | A | A |  |
| 304681431 | B |  | A | B | B |  | A | B |  |
| 304730092 | A |  | A | A | A |  | A | A |  |
| 304734660 | A |  | A | A | A |  | A | A |  |
| 304734572 | A |  | A | A | A |  | A | A |  |
| 304734610 | C |  | A | C | A |  | A | A |  |
| 304730176 | A | A | A | A | A | A | A | A |  |
| 304755079 | A | B | A | B | A | B | A | B |  |
| 304730273 | A | C | A | C | A | B | A | B |  |
| 304677095 | C |  | A | C | B |  | A | B |  |
| 304682469 | C |  | A | C | A |  | A | A |  |
| 304705591 | B |  | A | B | B |  | A | B |  |
| 304745156 | A | A | A | A | A | A | A | A |  |
| 304730745 | A | C | C | C | A | A | A | A |  |
| 304764425 | C | C | A | C | B | B | A | B |  |
| 304707087 | C |  | A | C | B |  | A | B |  |
| 304707089 | C |  | A | C | B |  | A | B |  |
| 304707090 | C |  | A | C | B |  | A | B |  |
| 304750330 | C D |  | A | C D | A |  | A | A |  |
| 304734582 | C |  | A | C | A |  | A | A |  |
| 304734580 | A |  | A | A | A |  | A | A |  |
| 304734575 | C |  | A | C | A |  | A | A |  |
| 304763234 | A | A | A | A | A | A | A | A |  |
| 304764092 | A | B | A | B | A | B | A | B |  |
| 304734831 | A | B | A | B | A | B | A | B |  |
| 304767972 | A | A | D | D | A | A | A | A |  |
| 304748419 | A | B | A | B | A | B | A | B |  |
| 304760483 | A | B | A | B | A | B | A | B |  |
| 304764080 | A | A | A | A | A | A | A | A |  |
| 304760464 | A | B | A | B | A | B | A | B |  |
| 304766004 | A | A | A | A | A | A | A | A |  |
| 304768643 | A | A | A | A | A | A | A | A |  |
| 304754805 | B | B | A | B | B | B | A | B |  |
| 304764267 | A | A | A | A | A | A | A | A |  |
| 304754798 | B | A | A | B | B | A | A | B |  |
| 304768664 | A | A | A | A | A | A | A | A |  |
| 304776854 | A | A | A | A | A | A | A | A |  |
| 304765851 | A | A | A | A | A | A | A | A |  |
| 304767974 | A | A | A | A | A | A | A | A |  |
| 304763222 | A | A | A | A | A | A | A | A |  |
| 304734125 | A | B | A | B | A | B | A | B |  |
| 304754864 | A | A | A | A | A | A | A | A |  |
| 304764269 | A | A | A | A | A | A | A | A |  |
| 304769630 | A | A | A | A | A | A | A | A |  |
| 304717984 | A | A | A | A | A | A | A | A |  |
| 304777795 | A | A | A | A | A | A | A | A |  |
| 304813217 | B | A | A | B | B | A | A | B |  |
| 304754945 | A | C | A | C | A | A | A | A |  |
| 304780144 | A | A | A | A | A | A | A | A |  |
| 304671262 | C |  | A | C | B |  | A | B |  |
| 304764090 | A | A | A | A | A | A | A | A |  |
| 304767969 | A | A | A | A | A | A | A | A |  |
| 304765323 | A | B | A | B | A | B | A | B |  |
| 304764087 | C | C | A | C | A | B | A | B |  |
| 304776893 | A | A | A | A | A | A | A | A |  |
| 304766106 | A | A | A | A | A | A | A | A |  |
| 304765853 | A | B | A | B | A | B | A | B |  |
| 304813230 | A | A | A | A | A | A | A | A |  |
| 304777620 | C |  | A | C | B |  | A | B |  |
| 304751709 | A | B | C | C | A | B | A B | B |  |
| 304750539 | A | B | A | B | A | B | A | B |  |
| 304811450 | A | B | A | B | A | B | A | B |  |
| 304776895 | A | A | A | A | A | A | A | A |  |
| 304816012 | B | A | A | B | B | A | A | B |  |
| 304760362 | A | B | A | B | A | B | A | B |  |
| 304756855 | A | C | A | C | A | A | A | A |  |
| 304767231 | A |  | A | A | A |  | A | A |  |
| 304758731 | A |  | A | A | A |  | A | A |  |
| 304750279 | C D |  | A | C D | A |  | A | A |  |
| 304707015 | C |  | A | C | A |  | A | A |  |
| 304708928 | B |  | A | B | B |  | A | B |  |
| 304753802 | C |  | A | C | A |  | A | A |  |
| 304750244 | B |  | A | B | B |  | A | B |  |
| 304750248 | A |  | A | A | A |  | A | A |  |
| 304764147 | C |  | A | C | A |  | A | A |  |
| 304759870 | A |  | A | A | A |  | A | A |  |
| 304750263 | B |  | A | B | B |  | A | B |  |
| 304758697 | C |  | A | C | B |  | A | B |  |
| 304758712 | B |  | A | B | B |  | A | B |  |
| 304811765 | A | A | A | A | A | A | A | A |  |
| 304776848 | A | A | A | A | A | A | A | A |  |
| 304817549 | C | C | A | C | B | A | A | B |  |
| 304751865 | A | A | A | A | A | A | A | A |  |
| 304768921 | A | A | A | A | A | A | A | A |  |
| 304769737 | A | A | A | A | A | A | A | A |  |
| 304812836 | A | C | A | C | A | A | A | A |  |
| 304774670 | A | B | A | B | A | B | A | B |  |
| 304818291 | C | A | A | C | A | A | A | A |  |
| 304819640 | A | A | A | A | A | A | A | A |  |
| 304759832 | A | A | A | A | A | A | A | A |  |
| 304769628 | A | A | A | A | A | A | A | A |  |
| 304821125 | A | C | A | C | A | A | A | A |  |
| 304777476 | A | A | A | A | A | A | A | A |  |
| 304789497 | A | A | A | A | A | A | A | A |  |
| 304817642 | A | B | A | B | A | B | A | B |  |
| 304816460 | A | A | A | A | A | A | A | A |  |
| 304817548 | A | A | A | A | A | A | A | A |  |
| 304823416 | A | A | A | A | A | A | A | A |  |
| 304776926 | A | B | A | B | A | B | A | B |  |
| 304734571 | A |  | C | C | A |  | A | A |  |
| 304753767 | C |  | A | C | B |  | A | B |  |
| 304730097 | A |  | A | A | A |  | A | A |  |
| 304769957 | A |  | A | A | A |  | A | A |  |
| 304767197 | C |  | A | C | A |  | A | A |  |
| 304812019 | A |  | A | A | A |  | A | A |  |
| 304812006 | C |  | A | C | A |  | A | A |  |
| 304764213 | A |  | A | A | A |  | A | A |  |
| 304812037 | A |  | A | A | A |  | A | A |  |
| 304816489 | C | C | A | C | B | B | A | B |  |
| 304769632 | A | C | A | C | A | B | A | B |  |
| 304826875 | C | C | A | C | A | A | A | A |  |
| 304822420 | A | A | A | A | A | A | A | A |  |
| 304821142 | A | A | A | A | A | A | A | A |  |
| 304823415 | B | A | A | B | B | A | A | B |  |
| 304820257 | A | B | A | B | A | B | A | B |  |
| 304779914 | A | A | A | A | A | A | A | A |  |
| 304754944 | C | B | A | C | A | B | A | B |  |
| 304749857 | C | C | A | C | A | B | A | B |  |
| 304813304 | A | A | A | A | A | A | A | A |  |
| 304777796 | A | B | A | B | A | B | A | B |  |
| 304823417 | A | A | A | A | A | A | A | A |  |
| 304818285 | A | C | A | C | A | A | A | A |  |
| 304826894 | A | A | A | A | A | A | A | A |  |
| 304819207 | B | C | A | C | B | A | A | B |  |
| 304826883 | B | B | A | B | B | B | A | B |  |
| 304817638 | B | A | A | B | B | A | A | B |  |
| 304644112 | C |  | A | C | A |  | A | A |  |
| 304758484 | A | B | A | B | A | B | A | B |  |
| 304826955 | A | A | A | A | A | A | A | A |  |
| 304816461 | A | B | A | B | A | B | A | B |  |
| 304758732 | C |  | A | C | A |  | A | A |  |
| 304708916 | C |  | A | C | A |  | A | A |  |
| 304734646 | B |  | A | B | B |  | A | B |  |
| 304758696 | A |  | A | A | A |  | A | A |  |
| 304758710 | A |  | A | A | B |  | A | B |  |
| 304812054 | C |  | A | C | B |  | A | B |  |
| 304758691 | C |  | A | C | A |  | A | A |  |
| 304811918 | A |  | A | A | A |  | A | A |  |
| 304811977 | B |  | A | B | B |  | A | B |  |
| 304754626 | C |  | A | C | A |  | A | A |  |
| 304819466 | A |  | A | A | A |  | A | A |  |
| 304819458 | C |  | A | C | A |  | A | A |  |
| 304812026 | A |  | A | A | A |  | A | A |  |
| 304764144 | A |  | A | A | A |  | A | A |  |
| 304811939 | C |  | A | C | A |  | A | A |  |
| 304811938 | A |  | A | A | A |  | A | A |  |
| 304812050 | C |  | A | C | A |  | A | A |  |
| 304812049 | A |  | A | A | A |  | A | A |  |
| 304812048 | A |  | A | A | A |  | A | A |  |
| 304811932 | C |  | A | C | A |  | A | A |  |
| 304811957 | A |  | A | A | A |  | A | A |  |
| 304812070 | C |  | A | C | B |  | A | B |  |
| 304811888 | A |  | A | A | A |  | A | A |  |
| 304811954 | A |  | A | A | A |  | A | A |  |
| 304819459 | C |  | A | C | A |  | A | A |  |
| 304824998 | A |  | A | A | A |  | A | A |  |
| 304811943 | C |  | A | C | A |  | A | A |  |
| 304816443 | A |  | A | A | A |  | A | A |  |
| 304811982 | A |  | A | A | A |  | A | A |  |
| 304811959 | A |  | A | A | A |  | A | A |  |
| 304819450 | A |  | A | A | A |  | A | A |  |
| 304811956 | A |  | A | A | A |  | A | A |  |
| 304811876 | A |  | A | A | A |  | A | A |  |
| 304824984 | A |  | A | A | A |  | A | A |  |
| 304825009 | C |  | A | C | A |  | A | A |  |
| 304812001 | B |  | A | B | B |  | A | B |  |
| 304819474 | C |  | A | C | A |  | A | A |  |
| 304812076 | A |  | A | A | A |  | A | A |  |
| 304819423 | A |  | A | A | A |  | A | A |  |
| 304811875 | A |  | A | A | A |  | A | A |  |
| 304769997 | A |  | A | A | A |  | A | A |  |
| 304824974 | C |  | A | C | B |  | A | B |  |
| 304824963 | C |  | A | C | B |  | A | B |  |
| 304811890 | A |  | A | A | A |  | A | A |  |
| 304824981 | A |  | A | A | A |  | A | A |  |
| 304811963 | A |  | A | A | A |  | A | A |  |
| 304824947 | A |  | A | A | A |  | A | A |  |
| 304824934 | A |  | A | A | A |  | A | A |  |
| 304819481 | A |  | A | A | A |  | A | A |  |
| 304824138 | A | A | A | A | A | A | A | A |  |
| 304823408 | B | A | A | B | B | A | A | B |  |
| 304825294 | B | B | A | B | B | B | A | B |  |
| 304840201 | C | C | A | C | A | A | A | A |  |
| 304825101 | A | A | A | A | A | A | A | A |  |
| 304828350 | A | B | A | B | A | B | A | B |  |
| 304822838 | A | A | A | A | A | A | A | A |  |
| 304843781 | A | A | A | A | A | A | A | A |  |
| 304818690 | A | A | A | A | A | A | A | A |  |
| 304843010 | A | B | A | B | A | B | A | B |  |
| 304846413 | B | A | A | B | B | A | A | B |  |
| 304840860 | A | A | A | A | A | A | A | A |  |
| 304826764 | A | A | A | A | A | A | A | A |  |
| 304840973 | A | A | A | A | A | A | A | A |  |
| 304818391 | A | C | A | C | A | B | A | B |  |
| 304846523 | A | A | A | A | A | A | A | A |  |
| 304817793 | A | A | A | A | A | A | A | A |  |
| 304846510 | A | A | A | A | A | A | A | A |  |
| 304780136 | B | A | A | B | B | A | A | B |  |
| 304844573 | A | A | A | A | A | A | A | A |  |
| 304843770 | A | A | A | A | A | A | A | A |  |
| 304769722 | A | A | A | A | A | A | A | A |  |
| 304846899 | A | A | A | A | A | A | A | A |  |
| 304736165 | A | A | A | A | A | A | A | A |  |
| 304840424 | A | A | A | A | A | A | A | A |  |
| 304848636 | A | A | A | A | A | A | A | A |  |
| 304852008 | A | B | A | B | A | B | A | B |  |
| 304848186 | A | A | A | A | A | A | A | A |  |
| 304840497 | A | A | A | A | A | A | A | A |  |
| 304844597 | B | A | A | B | B | A | A | B |  |
| 304758429 | A | B | A | B | A | B | A | B |  |
| 304854985 | A | A | A | A | A | A | A | A |  |
| 304840883 | A | B | A | B | A | B | A | B |  |
| 304833632 | A | A | A | A | A | A | A | A |  |
| 304847832 | A | B | A | B | A | B | A | B |  |
| 304822836 | A | A | A | A | A | A | A | A |  |
| 304668405 | C |  | A | C | A |  | A | A |  |
| 304851996 | B | B | A | B | B | B | A | B |  |
| 304751774 | C | C | D | D | A | B | A | B |  |
| 304757296 | C | A | D | D | A | A | A | A |  |
| 304748395 | C | C | D | D | A | A | A | A |  |
| 304755014 | A | B | A | B | A | A | A | A |  |
| 304777640 | A | A | A | A | A | A | A | A |  |
| 304754662 | A | C | A | C | A | A | A | A |  |
| 304765424 | C | A | A | C | B | A | A | B |  |
| 304819849 | A | B | C | C | A | B | A | B |  |
| 304828955 | C | C | A | C | A | A | A | A |  |
| 304421503 | C D |  | A | C D | B |  | A | B |  |
| 304756707 | C | A | A | C | A | A | A | A |  |
| 304749884 | A |  | A | A | A |  | A | A |  |
| 304777633 | C D | A | A | C D | A | A | A | A |  |
| 304789553 | C D | A | A | C D | B | A | A | B |  |
| 304822795 | C D | A | D | D | B | A | A | B |  |
| 304822747 | C | A | A | C | B | A | A | B |  |
| 304769705 | C | A | A | C | A | A | A | A |  |
| 304777297 | C | B | A | C | A | B | A | B |  |
| 304789555 | C | B | A | C | A | B | A | B |  |
| 304769644 | C | A | A | C | A | A | A | A |  |
| 304702967 | C |  | A | C | B |  | A | B |  |
| 304826920 | C | A | A | C | A | A | A | A |  |
| 304822775 | C D | A | A | C D | A | A | A | A |  |
| 304768861 | A | A | A | A | A | A | A | A |  |
| 304833246 | A | A | A | A | A | A | A | A |  |
| 304825099 | A | A | A | A | A | A | A | A |  |
| 304845395 | A | A | A | A | A | A | A | A |  |
| 304855086 | A | A | A | A | A | A | A | A |  |
| 304767225 | A |  | A | A | A |  | A | A |  |
| 304750319 | C |  | A | C | A |  | A | A |  |
| 304758702 | C |  | A | C | A |  | A | A |  |
| 304764170 | C |  | A | C | A |  | A | A |  |
| 304825012 | A |  | A | A | A |  | A | A |  |
| 304811919 | C |  | A | C | A |  | A | A |  |
| 304769967 | A |  | A | A | A |  | A | A |  |
| 304811944 | A |  | A | A | A |  | A | A |  |
| 304824939 | D |  | A | D | A |  | A | A |  |
| 304825020 | C |  | A | C | B |  | A | B |  |
| 304812051 | C |  | A | C | B |  | A | B |  |
| 304819426 | A |  | A | A | A |  | A | A |  |
| 304824972 | C |  | A | C | B |  | A | B |  |
| 304824973 | A |  | A | A | A |  | A | A |  |
| 304825002 | A |  | A | A | A |  | A | A |  |
| 304812017 | A |  | A | A | A |  | A | A |  |
| 304750364 | A |  | A | A | A |  | A | A |  |
| 304819465 | A |  | A | A | A |  | A | A |  |
| 304824978 | A |  | A | A | A |  | A | A |  |
| 304825010 | A |  | A | A | A |  | A | A |  |
| 304825014 | C |  | A | C | B |  | A | B |  |
| 304824970 | C |  | A | C | A |  | A | A |  |
| 304812072 | C |  | A | C | A |  | A | A |  |
| 304811983 | C |  | A | C | A |  | A | A |  |
| 304819452 | A |  | A | A | A |  | A | A |  |
| 304824959 | C |  | A | C | A |  | A | A |  |
| 304824960 | C |  | A | C | A |  | A | A |  |
| 304812043 | A |  | A | A | A |  | A | A |  |
| 304819467 | A |  | A | A | A |  | A | A |  |
| 304824949 | C |  | A | C | A |  | A | A |  |
| 304824916 | A |  | A | A | A |  | A | A |  |
| 304811996 | C |  | A | C | A |  | A | A |  |
| 304819463 | A |  | A | A | A |  | A | A |  |
| 304824952 | B |  | A | B | B |  | A | B |  |
| 304824996 | A |  | A | A | A |  | A | A |  |
| 304811981 | A |  | A | A | A |  | A | A |  |
| 304824986 | A |  | A | A | A |  | A | A |  |
| 304825013 | A |  | A | A | A |  | A | A |  |
| 304819446 | A |  | A | A | A |  | A | A |  |
| 304811874 | C |  | A | C | A |  | A | A |  |
| 304811971 | B |  | A | B | B |  | A | B |  |
| 304824915 | A |  | A | A | A |  | A | A |  |
| 304824967 | C |  | A | C | A |  | A | A |  |
| 304764234 | C |  | A | C | B |  | A | B |  |
| 304824936 | A |  | A | A | A |  | A | A |  |
| 304824964 | C |  | A | C | A |  | A | A |  |
| 304753755 | D |  | A | D | A |  | A | A |  |
| 304764207 | B |  | A | B | B |  | A | B |  |
| 304819437 | A |  | A | A | A |  | A | A |  |
| 304844498 | C |  | A | C | B |  | A | B |  |
| 304844506 | A |  | A | A | A |  | A | A |  |
| 304824953 | C |  | A | C | A |  | A | A |  |
| 304824921 | B |  | A | B | B |  | A | B |  |
| 304844495 | A |  | A | A | A |  | A | A |  |
| 304844387 | A |  | A | A | A |  | A | A |  |
| 304844472 | B |  | A | B | B |  | A | B |  |
| 304811872 | A |  | A | A | A |  | A | A |  |
| 304824920 | A |  | A | A | A |  | A | A |  |
| 304824942 | C |  | A | C | A |  | A | A |  |
| 304844496 | A |  | A | A | A |  | A | A |  |
| 304844497 | A |  | A | A | A |  | A | A |  |
| 304844494 | C |  | A | C | B |  | A | B |  |
| 304844416 | C |  | A | C | A |  | A | A |  |
| 304844417 | A |  | A | A | A |  | A | A |  |
| 304844414 | A |  | A | A | A |  | A | A |  |
| 304824954 | A |  | A | A | A |  | A | A |  |
| 304825008 | A |  | A | A | A |  | A | A |  |
| 304844408 | A |  | A | A | A |  | A | A |  |
| 304844451 | A |  | A | A | A |  | A | A |  |
| 304844437 | A |  | A | A | A |  | A | A |  |
| 304844405 | A |  | A | A | A |  | A | A |  |
| 304844481 | C |  | A | C | A |  | A | A |  |
| 304844395 | A |  | A | A | A |  | A | A |  |
| 304844507 | D |  | A | D | B |  | A | B |  |
| 304844423 | A |  | A | A | A |  | A | A |  |
| 304811952 | A |  | A | A | A |  | A | A |  |
| 304844454 | A |  | A | A | A |  | A | A |  |
| 304825017 | A |  | A | A | A |  | A | A |  |
| 304819483 | B |  | A | B | B |  | A | B |  |
| 304844504 | A |  | A | A | A |  | A | A |  |
| 304844483 | A |  | A | A | A |  | A | A |  |
| 304847689 | A |  | A | A | A |  | A | A |  |
| 304847688 | A |  | A | A | A |  | A | A |  |
| 304844415 | A |  | A | A | A |  | A | A |  |
| 304844379 | A |  | A | A | A |  | A | A |  |
| 304858338 | A | A | A | A | A | A | A | A |  |
| 304860208 | A | A | A | A | A | A | A | A |  |
| 304838919 | A | A | A | A | A | A | A | A |  |
| 304852956 | A | A | A | A | A | A | A | A |  |
| 304854848 | A | C | A | C | A | B | A | B |  |
| 304856892 | A | A | A | A | A | A | A | A |  |
| 304838933 | A | A | A | A | A | A | A | A |  |
| 304856496 | A | B | A | B | A | B | A | B |  |
| 304860213 | A | B | A | B | A | B | A | B |  |
| 304818304 | A | A | A | A | A | A | A | A |  |
| 304862204 | A | A | A | A | A | A | A | A |  |
| 304847526 | B | B | A | B | B | B | A | B |  |
| 304862127 | A | A | A | A | A | A | A | A |  |
| 304866593 | A | B | A | B | A | B | A | B |  |
| 304833268 | A | A | A | A | A | A | A | A |  |
| 304847780 | A | B | A | B | A | B | A | B |  |
| 304843019 | A | B | A | B | A | B | A | B |  |
| 304846243 | A | C | A | C | A | A | A | A |  |
| 304856494 | C | A | A | C | A | A | A | A |  |
| 304706965 | C |  | C | C | A |  | A | A |  |
| 304767199 | C |  | A | C | B |  | A | B |  |
| 304811920 | C |  | A | C | A |  | A | A |  |
| 304844402 | A |  | A | A | A |  | A | A |  |
| 304844493 | C |  | A | C | A |  | A | A |  |
| 304844460 | C |  | A | C | A |  | A | A |  |
| 304844449 | A |  | A | A | A |  | A | A |  |
| 304847705 | A |  | A | A | A |  | A | A |  |
| 304847734 | A |  | A | A | A |  | A | A |  |
| 304847732 | A |  | A | A | A |  | A | A |  |
| 304811929 | A |  | A | A | A |  | A | A |  |
| 304847719 | A |  | A | A | A |  | A | A |  |
| 304844398 | A |  | A | A | A |  | A | A |  |
| 304844470 | A |  | A | A | A |  | A | A |  |
| 304844463 | C |  | A | C | A |  | A | A |  |
| 304824988 | A |  | A | A | A |  | A | A |  |
| 304844439 | A |  | A | A | A |  | A | A |  |
| 304844403 | C |  | A | C | A |  | A | A |  |
| 304844450 | B |  | A | B | B |  | A | B |  |
| 304847680 | A |  | A | A | A |  | A | A |  |
| 304844425 | A |  | A | A | A |  | A | A |  |
| 304847752 | A |  | A | A | A |  | A | A |  |
| 304847754 | A |  | A | A | A |  | A | A |  |
| 304847753 | A |  | A | A | A |  | A | A |  |
| 304849126 | C |  | A | C | A |  | A | A |  |
| 304847678 | A |  | A | A | A |  | A | A |  |
| 304849070 | A |  | A | A | A |  | A | A |  |
| 304849076 | A |  | A | A | A |  | A | A |  |
| 304819453 | A |  | A | A | A |  | A | A |  |
| 304849112 | A |  | A | A | A |  | A | A |  |
| 304844432 | A |  | A | A | A |  | A | A |  |
| 304844389 | A |  | A | A | A |  | A | A |  |
| 304819417 | A |  | A | A | A |  | A | A |  |
| 304849200 | C |  | A | C | B |  | A | B |  |
| 304849206 | B |  | A | B | B |  | A | B |  |
| 304849207 | B |  | A | B | B |  | A | B |  |
| 304849083 | A |  | A | A | A |  | A | A |  |
| 304849224 | A |  | A | A | A |  | A | A |  |
| 304844434 | A |  | A | A | A |  | A | A |  |
| 304849130 | A |  | A | A | A |  | A | A |  |
| 304847746 | A |  | A | A | A |  | A | A |  |
| 304849195 | A |  | A | A | A |  | A | A |  |
| 304844382 | A |  | A | A | A |  | A | A |  |
| 304847694 | A |  | A | A | A |  | A | A |  |
| 304847700 | A |  | A | A | A |  | A | A |  |
| 304847702 | A |  | A | A | A |  | A | A |  |
| 304849094 | A |  | A | A | A |  | A | A |  |
| 304849082 | A |  | A | A | A |  | A | A |  |
| 304849189 | D |  | A | D | A |  | A | A |  |
| 304844491 | C |  | A | C | A |  | A | A |  |
| 304819436 | A |  | A | A | A |  | A | A |  |
| 304849144 | A |  | A | A | A |  | A | A |  |
| 304849167 | A |  | A | A | A |  | A | A |  |
| 304824933 | C |  | A | C | A |  | A | A |  |
| 304849138 | A |  | A | A | A |  | A | A |  |
| 304849229 | B |  | A | B | B |  | A | B |  |
| 304847745 | C |  | A | C | A |  | A | A |  |
| 304849143 | A |  | A | A | A |  | A | A |  |
| 304847695 | A |  | A | A | A |  | A | A |  |
| 304847713 | A |  | A | A | A |  | A | A |  |
| 304844478 | A |  | A | A | A |  | A | A |  |
| 304849109 | A |  | A | A | A |  | A | A |  |
| 304844488 | A |  | A | A | A |  | A | A |  |
| 304847692 | A |  | A | A | A |  | A | A |  |
| 304847674 | A |  | A | A | A |  | A | A |  |
| 304811953 | A |  | A | A | A |  | A | A |  |
| 304849084 | A |  | A | A | A |  | A | A |  |
| 304865252 | B | A | A | B | B | A | A | B |  |
| 304865256 | A | C | A | C | A | B | A | B |  |
| 304865258 | A | A | A | A | A | A | A | A |  |
| 304865263 | A | A | A | A | A | A | A | A |  |
| 304865257 | C | A | A | C | B | A | A | B |  |
| 304865255 | A | A | A | A | A | A | A | A |  |
| 304865254 | B | A | A | B | B | A | A | B |  |
| 304844513 | C |  | A | C | A |  | A | A |  |
| 304844514 | A |  | A | A | A |  | A | A |  |
| 304844509 | A |  | A | A | A |  | A | A |  |
| 304867482 | A |  | A | A | A |  | A | A |  |
| 304867480 | A |  | A | A | A |  | A | A |  |
| 304847720 | C |  | A | C | A |  | A | A |  |
| 304812000 | C |  | A | C | A |  | A | A |  |
| 304844409 | A |  | A | A | A |  | A | A |  |
| 304819449 | A |  | A | A | A |  | A | A |  |
| 304849087 | A |  | A | A | A |  | A | A |  |
| 304849234 | C |  | A | C | A |  | A | A |  |
| 304849058 | A |  | A | A | A |  | A | A |  |
| 304849151 | C |  | A | C | A |  | A | A |  |
| 304849119 | A |  | A | A | A |  | A | A |  |
| 304867440 | A |  | A | A | A |  | A | A |  |
| 304849128 | A |  | A | A | A |  | A | A |  |
| 304766083 | C | C | A | C | A | A | A | A |  |
| 304819532 | C | B | A | C | A | A | A | A |  |
| 304839406 | C | C | A | C | A | B | A | B |  |
| 304826919 | C | C | A | C | A | A | A | A |  |
| 304823958 | D | C | D | D | A | A | A | A |  |
| 304821086 | A | A | A | A | A | A | A | A |  |
| 304825234 | C | C | A | C | A | B | A | B |  |
| 304847547 | A | B | A | B | A | A | A | A |  |
| 304846278 | C | C | A | C | A | A | A | A |  |
| 304826028 | A | A | A | A | A | A | A | A |  |
| 304857380 | C | B | A | C | A | B | A | B |  |
| 304857379 | C | B | C | C | A | B | A | B |  |
| 304827290 | C | A | A | C | A | A | A | A |  |
| 304825281 | C | C | A | C | A | A | A | A |  |
| 304856207 | C | A | A | C | A | A | A | A |  |
| 304847852 | C | C | A | C | A | A | A | A |  |
| 304842870 | C | A | A | C | A | A | A | A |  |
| 304846974 | A | A | A | A | A | A | A | A |  |
| 304854970 | C | C | A | C | A | B | A | B |  |
| 304839451 | C | C | A | C | A | A | A | A |  |
| 304846225 | A | B | A | B | A | B | A | B |  |
| 304838857 | C | C | A | C | A | B | A | B |  |
| 304840949 | C | C | A | C | A | A | A | A |  |
| 304846282 | C | A | D | D | A | A | A | A |  |
| 304843288 | C | B | A | C | A | B | A | B |  |
| 304841694 | A | A | A | A | A | A | A | A |  |
| 304843001 | C | A | A | C | A | A | A | A |  |
| 304767870 | A | A | A | A | A | A | A | A |  |
| 304828954 | A | A | A | A | A | A | A | A |  |
| 304861620 | C | A | A | C | A | A | A | A |  |
| 304838872 | C | A | A | C | A | A | A | A |  |
| 304891084 | C | B | A | C | A | B | A | B |  |
| 304868137 | A | A | D | D | A | A | A | A |  |
| 304873052 | A | A | A | A | A | A | A | A |  |
| 304684733 | C |  | A | C | A |  | A | A |  |
| 304702974 | D |  | A | D | A |  | A | A |  |
| 304720359 | A |  | A | A | A |  | A | A |  |
| 304754835 | A |  | A | A | A |  | A | A |  |
| 304749889 | A |  | A | A | A |  | A | A |  |
| 304749887 | A |  | A | A | A |  | A | A |  |
| 304736413 | A |  | A | A | A |  | A | A |  |
| 304827004 | A |  | A | A | A |  | A | A |  |
| 304827005 | A |  | A | A | A |  | A | A |  |
| 304827006 | A |  | A | A | A |  | A | A |  |
| 304754794 | A |  | A | A | A |  | A | A |  |
| 304769672 | C | A | D | D | A | A | A | A |  |
| 304736198 | A | B | A | B | A | A | A | A |  |
| 304763357 | C | A | A | C | A | A | A | A |  |
| 304759923 | C | A | A | C | B | A | A | B |  |
| 304774689 | C | A | A | C | A | A | A | A |  |
| 304823086 | C D | A | A | C D | A | A | A | A |  |
| 304828960 | C | A | A | C | A | A | A | A |  |
| 304818442 | C D | A | A | C D | A | A | A | A |  |
| 304827021 | C | A | A | C | B | A | A | B |  |
| 304846832 | C | A | A | C | A | A | A | A |  |
| 304844365 | C D | A | A | C D | A | A | A | A |  |
| 304844375 | D | D | A | D | A | A | A | A |  |
| 304827577 | C | A | A | C | A | A | A | A |  |
| 304838993 | C | A | A | C | A | A | A | A |  |
| 304846539 | D | A | A | D | B | A | A | B |  |
| 304846578 | C | A | A | C | B | A | A | B |  |
| 304840790 | C | A | A | C | B | A | A | B |  |
| 304840751 | C | A | A | C | B | A | A | B |  |
| 304840774 | C | A | A | C | B | A | A | B |  |
| 304840775 | C | A | A | C | B | A | A | B |  |
| 304843368 | D | A | A | D | A | A | A | A |  |
| 304846286 | A | A | A | A | A | A | A | A |  |
| 304852038 | C | A | A | C | B | A | A | B |  |
| 304842925 | C | A | A | C | A | A | A | A |  |
| 304779959 | C | A | A | C | A | A | A | A |  |
| 304826814 | C D | A | A | C D | A | A | A | A |  |
| 304818335 | C | A | A | C | A | A | A | A |  |
| 304840777 | C | A | A | C | B | A | A | B |  |
| 304840788 | C | A | A | C | B | A | A | B |  |
| 304848480 | A |  | A | A | A |  | A | A |  |
| 304848479 | A |  | A | A | A |  | A | A |  |
| 304827568 | C D | B | A | C D | A | B | A | B |  |
| 304838994 | A | A | A | A | A | A | A | A |  |
| 304838995 | C | A | A | C | A | A | A | A |  |
| 304849313 | C | A | A | C | A | A | A | A |  |
| 304849314 | C | A | A | C | A | A | A | A |  |
| 304846579 | C | A | A | C | A | A | A | A |  |
| 304711180 | C | A | A | C | A | A | A | A |  |
| 304846969 | C | A | A | C | A | A | A | A |  |
| 304858383 | C | A | A | C | A | A | A | A |  |
| 304847857 | C | A | A | C | A | A | A | A |  |
| 304779958 | C | A | A | C | A | A | A | A |  |
| 304817627 | C | A | A | C | A | A | A | A |  |
| 304861657 | C | B | A | C | A | B | A | B |  |
| 304847758 | C | A | A | C | A | A | A | A |  |
| 304844362 | A | A | A | A | A | A | A | A |  |
| 304847638 | A | A | A | A | A | A | A | A |  |
| 304849030 | D | B | A | D | A | B | A | B |  |
| 304819563 | C | A | A | C | A | A | A | A |  |
| 304858370 | C | A | A | C | B | A | A | B |  |
| 304858363 | A | A | A | A | A | A | A | A |  |
| 304858424 | C | A | A | C | A | A | A | A |  |
| 304827785 | A | A | A | A | A | A | A | A |  |
| 304844829 | B |  | A | B | B |  | A | B |  |
| 304844830 | B |  | A | B | B |  | A | B |  |
| 304844837 | C |  | A B | C | B |  | A B | B |  |
| 304844804 | A |  | A | A | A |  | A | A |  |
| 304844815 | A |  | A B | A B | A |  | A B | A B |  |
| 304844791 | A |  | A | A | A |  | A | A |  |
| 304844792 | A |  | A | A | A |  | A | A |  |
| 304844818 | B |  | A | B | B |  | A | B |  |
| 304844835 | A |  | A | A | A |  | A | A |  |
| 304844811 | C |  | A | C | A |  | A | A |  |
| 304844821 | A |  | A B | A B | A |  | A B | A B |  |
| 304844836 | C D |  | A B | C D | B |  | A B | B |  |
| 304844844 | A |  | A | A | A |  | A | A |  |
| 304844786 | A |  | A | A | A |  | A | A |  |
| 304844788 | A |  | A | A | A |  | A | A |  |
| 304844794 | D |  | A B | D | A |  | A B | A B |  |
| 304844790 | A |  | A | A | A |  | A | A |  |
| 304844802 | B |  | A | B | B |  | A | B |  |
| 304844803 | B |  | A | B | B |  | A | B |  |
| 304844800 | B |  | A | B | B |  | A | B |  |
| 304844801 | C |  | A | C | B |  | A | B |  |
| 304844784 | A |  | A | A | A |  | A | A |  |
| 304844785 | D |  | A | D | B |  | A | B |  |
| 304844843 | C |  | A | C | B |  | A | B |  |
| 304844842 | B |  | A | B | B |  | A | B |  |
| 304844806 | C |  | A | C | B |  | A | B |  |
| 304844841 | B |  | A | B | B |  | A | B |  |
| 304844814 | A |  | A | A | A |  | A | A |  |
| 304844793 | B |  | A | B | B |  | A | B |  |
| 304844787 | A |  | A | A | A |  | A | A |  |
| 304844510 | C |  | A | C | A |  | A | A |  |
| 304844512 | C |  | A | C | A |  | A | A |  |
| 304844511 | C |  | A | C | B |  | A | B |  |
| 304867481 | A |  | A | A | A |  | A | A |  |
| 304847672 | A |  | A | A | A |  | A | A |  |
| 304750212 | C |  | A | C | B |  | A | B |  |
| 304847731 | C |  | A | C | A |  | A | A |  |
| 304847676 | C |  | A | C | A |  | A | A |  |
| 304847718 | C D |  | A | C D | A |  | A | A |  |
| 304849061 | C |  | A | C | A |  | A | A |  |
| 304847735 | C |  | A | C | A |  | A | A |  |
| 304849114 | A |  | A | A | A |  | A | A |  |
| 304849208 | A |  | A | A | A |  | A | A |  |
| 304849111 | A |  | A | A | A |  | A | A |  |
| 304849116 | A |  | A | A | A |  | A | A |  |
| 304849080 | A |  | A | A | A |  | A | A |  |
| 304849134 | C |  | A | C | A |  | A | A |  |
| 304750247 | A |  | A | A | A |  | A | A |  |
| 304849219 | A |  | A | A | A |  | A | A |  |
| 304849100 | C |  | A | C | A |  | A | A |  |
| 304764208 | A |  | A | A | A |  | A | A |  |
| 304844474 | B |  | A | B | B |  | A | B |  |
| 304849180 | A |  | A | A | A |  | A | A |  |
| 304844479 | C |  | A | C | A |  | A | A |  |
| 304844430 | D |  | A | D | A |  | A | A |  |
| 304844443 | D |  | A | D | A |  | A | A |  |
| 304844442 | D |  | A | D | A |  | A | A |  |
| 304819472 | C |  | A | C | A |  | A | A |  |
| 304824922 | A |  | A | A | A |  | A | A |  |
| 304849050 | A |  | A | A | A |  | A | A |  |
| 304849227 | A |  | A | A | A |  | A | A |  |
| 304849241 | A |  | A | A | A |  | A | A |  |
| 304849071 | C |  | A | C | A |  | A | A |  |
| 304844501 | A |  | A | A | A |  | A | A |  |
| 304867390 | A |  | A | A | A |  | A | A |  |
| 304769992 | A |  | A | A | A |  | A | A |  |
| 304849149 | B |  | A | B | B |  | A | B |  |
| 304849150 | B |  | A | B | B |  | A | B |  |
| 304847682 | A |  | A | A | A |  | A | A |  |
| 304847701 | A |  | A | A | A |  | A | A |  |
| 304867361 | B |  | A | B | B |  | A | B |  |
| 304849123 | A |  | A | A | A |  | A | A |  |
| 304849218 | A |  | A | A | A |  | A | A |  |

---

## Exhibit 99.05

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.05**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304352377 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304379639 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 303760022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304384680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| 304405110 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -20.340% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304415909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 304381135 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 304441888 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 304492573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304476698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.890% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304486456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304512133 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 304636475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 304638291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304638427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 304700346 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.860% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 32.860% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304685723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 304688549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 30.830% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 304678664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304688457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304700943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304694180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.260% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.260% |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304700936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304708792 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 304693485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304705089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 304692169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.760% |  |  | Appraisal |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 304716591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304708757 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304720443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 304720405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304720418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304720447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304720404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304693571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304671552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304707676 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304716520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304709887 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304476831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707064 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304709038 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707081 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304721789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304702581 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 304731814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 304726416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304709886 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| 304716493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.590% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304751866 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304731323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304751712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304707079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304724116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734610 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304755079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304730273 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304677095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682469 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705591 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 5.170% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304745156 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304730745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304764425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304707087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707089 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734582 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304763234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304764092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304734831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304767972 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304748419 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304760483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304764080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304760464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304766004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304768643 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304754805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304764267 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304754798 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304768664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304776854 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304765851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304767974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304763222 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304734125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304764269 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304769630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304717984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304777795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304813217 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304754945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304780144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304671262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304767969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304765323 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304764087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304776893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 304766106 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304765853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304813230 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304777620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304751709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -12.910% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304811450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304776895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304816012 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| 304760362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304756855 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304767231 |  |  |  |  |  |  | 5.880% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750279 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707015 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708928 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750248 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764147 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750263 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758697 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811765 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304776848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304817549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304751865 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304768921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304769737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304812836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304774670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304818291 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.400% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819640 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304759832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304769628 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| 304821125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304777476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304789497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304817642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304816460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304817548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304823416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304776926 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 304734571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769957 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812006 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812037 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304769632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304826875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304822420 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304821142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304823415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304820257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304779914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304754944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304749857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 304813304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304777796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304823417 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304818285 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 304826894 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| 304819207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 304826883 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304817638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304644112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304758484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| 304826955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 304816461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304758732 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734646 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758710 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812054 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758691 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754626 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812050 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.800% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812049 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.800% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812048 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.800% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811957 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812070 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811888 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824998 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304816443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811982 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824984 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825009 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812001 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.490% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824963 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.190% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811963 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824934 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824138 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304823408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.220% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 304825294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304840201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304825101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304828350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304822838 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.530% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304843781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 304818690 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 |
| 304843010 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304846413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 304840860 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304826764 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304818391 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 304846523 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304817793 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304846510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304780136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304844573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304843770 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304769722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846899 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304736165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304848636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304852008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.360% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848186 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| 304844597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.040% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.040% |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304758429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304854985 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304840883 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304833632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304847832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.80 |
| 304822836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| 304668405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304851996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304751774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304757296 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304748395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304755014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304777640 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304765424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304819849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304828955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304421503 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.190% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304756707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.100% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304749884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304777633 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304789553 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304822795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304822747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.510% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304777297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304789555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -2.300% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.860% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304826920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304822775 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304768861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304833246 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825099 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.20 |
| 304845395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| 304855086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| 304767225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764170 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825012 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824939 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.500% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812051 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819426 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824972 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824973 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825002 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812017 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825010 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811983 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819452 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812043 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.770% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824949 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.400% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824952 |  |  |  |  |  |  | 19.660% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.330% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819446 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811971 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824936 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304753755 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819437 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844498 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.880% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844387 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844417 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304844414 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.470% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844437 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844405 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.560% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844395 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844507 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811952 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825017 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844504 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844379 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304858338 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304860208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304838919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304852956 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304854848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304856892 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304838933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 304856496 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304860213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304818304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304862204 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304847526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304862127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304866593 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304833268 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 304847780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304843019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304846243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.890% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 304856494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 304706965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844402 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847732 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811929 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844403 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.080% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847752 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.340% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.530% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.340% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849070 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849076 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844432 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819417 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849200 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849206 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849083 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.170% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849224 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847746 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849195 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.250% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847700 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844491 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819436 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849138 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849109 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849084 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304865252 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304865258 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865263 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304865257 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304865255 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865254 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304844513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.120% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867482 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.860% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304812000 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819449 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849058 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304766083 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304839406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304826919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304823958 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304821086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825234 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847547 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304846278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304826028 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 304857380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.290% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304857379 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.350% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.480% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827290 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304825281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304856207 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304847852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304842870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304854970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304839451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.400% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304838857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840949 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304846282 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 304843288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304841694 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304843001 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304767870 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304828954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304861620 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 304838872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304891084 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 304868137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304873052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304684733 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.560% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304749889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304749887 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736413 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827006 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304736198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304763357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759923 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304774689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304823086 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304828960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304818442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304827021 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 304846832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844365 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844375 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827577 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304838993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840790 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840775 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304843368 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304846286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304852038 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304842925 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304779959 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304826814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304818335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304840777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840788 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304848479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827568 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304838994 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304838995 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304849313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849314 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.170% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304846579 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304711180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304846969 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304858383 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304779958 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304817627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304861657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 0.000% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304847758 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304844362 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304847638 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304849030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304819563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304858370 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304858363 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 304858424 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304827785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844829 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844830 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 1.330% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844804 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -3.850% |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844815 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.170% |  |  | Desk Review |  |  | xxxx |  |  | -11.590% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844791 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 0.580% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844792 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -4.270% |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844818 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 2.080% |  | 0.032 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844821 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -52.670% |  | 0.1442 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -25.440% |  | 0.0845 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844844 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.340% |  |  | Desk Review |  |  | xxxx |  |  | 2.610% |  | 0.0788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844786 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 1.390% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844788 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 10.000% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.140% |  |  | Desk Review |  |  | xxxx |  |  | -12.110% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844790 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -0.140% |  | 0.0268 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 3.060% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | -5.100% |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 1.890% |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844801 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  | 9.000% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844784 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 0.980% |  | 0.0406 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844843 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 6.150% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.540% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844842 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844806 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 4.500% |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844841 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 9.230% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844814 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -3.830% |  | 0.056 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844793 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -7.880% |  | 0.032 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 8.760% |  | 0.0512 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844510 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847676 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847718 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849061 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -20.340% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.470% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.640% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849219 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844479 |  |  |  |  |  |  | 21.130% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844430 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 27.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 2.780% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849050 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849227 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849071 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769992 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849150 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847682 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849218 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.06

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.06**

![](ex9906001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2025-NQM5**

**By Clarifii LLC on December 2, 2025**

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 1

![](ex9906001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**Jason Luttenberger** |
| &nbsp;&nbsp; Vice President of Due Diligence | &nbsp;&nbsp; President and Chief Operating Officer |
| &nbsp;&nbsp; Phone: 813.735.4487 | &nbsp;&nbsp; Phone: 917.742.7797 |
| &nbsp;&nbsp; E-mail: Christine.Aug@Clarifii.com | &nbsp;&nbsp; E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 79 loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2025-NQM5 transaction. The Loans referenced in this narrative report were reviewed in between 01/2025 to 10/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.79% | &nbsp;&nbsp;$952600.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$556762.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$684000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;74 | &nbsp;&nbsp;93.67% | &nbsp;&nbsp;$66117559.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$68310921.00** |

---

The Review consisted of a population of 79 Loans, with an aggregate principal balance of $68,310,921.00.

**CLARIFII'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, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the Loans within the transaction that were submitted to Clarifii for review.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 2

![](ex9906001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the Loan file as captured by Clarifii. This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 3

![](ex9906001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 4

![](ex9906001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Vested Business Entity Name |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 5

![](ex9906001.jpg)

**CREDIT UNDERWRITING**

Clarifii reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria, or other requirements provided by Client, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

To determine borrower program eligibility, Clarifii verified the following loan attributes and, where applicable, recalculated based on the information provided:

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

– Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

– Monthly Debt

– Occupancy

– Property Type

– Qualifying principal, interest, tax, insurance, and association dues (PITIA)

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

Clarifii verified the following items per the Uniform Residential Loan Application Form 1003 (1003):

– All known borrower-owned properties are disclosed on the Real Estate Owned (REO) Section 2

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

– A credit report or alternative credit history as applicable to loan type is present for each borrower

– Bankruptcy and foreclosure seasoning

– Captured the monthly consumer debt payments for use in the applicable DTI calculation

– Installment and revolving payment history

– Mortgage/Rental payment history

– Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 6

![](ex9906001.jpg)

● **Employment and Income** 

When applicable, Clarifii determined whether all supporting documentation as required by the guidelines and Ability to Repay/Qualified Mortgage Rule (ATR/QM) were complete and accurate. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with the guidelines. Documentation verified employment and income were deemed acceptable if it was a third-party document as required by the guidelines and ATR when applicable and may include:

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

For all Loans, Clarifii utilized the results from an independent, third-party fraud tool as well as information in the loan file to identify and address any potential misrepresentations including:

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

– Employment

– Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

Clarifii assessed whether the asset documentation required by the guidelines and ATR, when applicable, was present in the Loan file and within required timeframe. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

– Other evidence of conveyance and transfer of funds if a sale of assets was involved

– Other documentation in loan file

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

● **Property** **Insurance and Taxes** 

Clarifii confirmed the presence of the insurance and tax information for the following:

– Confirmed that the flood certification is for the correct borrower, property, lender, and loan number and is a "Life of Loan" certification

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 7

![](ex9906001.jpg)

– Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns"

Confirmed that the premium amount on both the hazard and flood insurance match figures from the DTI calculations

For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines

For properties in a flood zone, per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines

– Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

Summed principal and interest or interest payment, along with taxes, insurance and HOA payments to arrive at monthly property expense. This summed amount is used as the denominator to the monthly lease or estimated lease income, as required by guidelines

**DOCUMENT REVIEW**

Clarifii reviewed each Loan file and verified if the following documents were included in the file and if the data on these documents was consistent (where applicable):

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

● **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section** 

● **Flood Certification** 

● **Initial and Final Loan Estimate (LE)** 

● **Initial and Final and Closing Disclosure (CD)** 

● **Post-Consummation Closing Disclosure (PCCD), as applicable** 

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 8

![](ex9906001.jpg)

**COMPLIANCE REVIEW**

Clarifii reviewed each Loan file, when applicable, and verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Compliance verification and validation that each mortgage loan met the relevant provisions of:

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

**Truth in Lending Act (TILA)**, as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026

**Real Estate Settlement Procedures Act (RESPA)**, 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024

**Equal Credit Opportunity Act (ECOA)**, 15 U.S.C. §1691, as implemented by Regulation B, 12 C.F.R. §1001.1(b)

● **Compliance Documentation Requirements** 

Clarifii reviewed the following documents as they related to regulatory compliance:

– Initial and final application (1003)

– Note, including all addendums

– Copy of note for any junior liens (if applicable)

– Mortgage / Deed of Trust, including all riders

– Initial, Interim, and Final Loan Estimates (LE)

Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

If applicable the Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any Loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

● **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

**TILA/RESPA Integrated Disclosure Testing (TRID)**

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 9

![](ex9906001.jpg)

**Right of Rescission** 

Reviewed the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

Reviewed to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.

**Real Estate Settlement Procedures Act (RESPA)/Regulation X**

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

**Equal Credit Opportunity Act (ECOA)/Regulation B**

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

**Fair Credit Reporting Act (FRCA)/Regulation V**

Confirmed compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

**Miscellaneous Compliance Testing**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present
 in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance
 policies or debt cancellation agreements present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪  ***State prepayment and late charge restrictions*** – Clarifii reported instances where
 a prepayment penalty that exceeds the state permitted penalty has expired.

● **State and Local Anti-Predatory Requirements** 

The following is an itemization of the current and historical state and local anti-predatory lending requirements, considered customary in secondary market due diligence compliance testing and reviewed by Clarifii:

– Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

– California Anti-Predatory Lending ("Covered Loan", Cal. Fin. Code § 4970 et seq.

– California Higher-Priced Mortgage Loan ("CA HPML"), Cal. Fin. Code §4995 et seq.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 10

![](ex9906001.jpg)

– Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.

– Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

– Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)

District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

– Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).

– Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

– Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).

– Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

– Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).

– Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

– City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

– Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

– Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.

– Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.

– Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.

Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.

Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

– Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183I.

– Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

– Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

– Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

– Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

– Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

– Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

– Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

– Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 11

![](ex9906001.jpg)

– New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

– New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.

– New York High-Cost Home Loan Regulations (1A – Original Part 41), 3 NYCCR Part 41 (2001).

– New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

– New York Subprime Home Loans, NY Bank. Law § 6-m.

North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1I(a); 24-10.2(a) as amended.

– Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.

– Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

– City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

– Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

– Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

– Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

– Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

– City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

– South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

– South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

– Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

– Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

– The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

– Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

– Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

– Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

– Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

– Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

– Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

– West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

– Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

– Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 12

![](ex9906001.jpg)

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 reflects correct address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 application address is different from subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 executed by all borrowers

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

– Occupancy Letter (must state that borrower(s) will not reside in the property

– HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

– If property is in a flood zone, Flood Notice must be provided prior to closing

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Clarifii reviewed the loan to determine whether, based on available information in the loan file, (i) the loan contained risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review included a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Clarifii then determined whether the loan was a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

**ABILITY TO REPAY (ATR)**

If applicable, Clarifii reviewed the loans to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focused on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 13

![](ex9906001.jpg)

*Note: for loans designated as QM – Agency eligible (QM – Temporary), Clarifii did not review for compliance with the requirements of Appendix Q or General Ability to Repay.*

If applicable, Clarifii reviewed loans to determine their conformity with the ATR/QM factors above, and did not render an independent assessment or opinion, warranty or represent that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR, or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative, or judicial authorities (Authorities). Clarifii does not represent or warrant that the factors for which it has reviewed that the Loans constitute all the factors and/or criteria that Authorities may consider in determining the status of a loan.

Clarifii's review was based on information contained in the loan file at the time it was provided for review.

All Loans in the population reviewed by Clarifii were investment properties and were found to not be ATR/QM applicable.

**VALUATION REVIEW**

Clarifii reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, comparable sales, completeness of data and eligibility of the appraiser, compared to underwriting guidelines, variances, and tolerances. Clarifii determined that the appraised value appeared to be supported, based on the valuation provided by the Independent Third-party Review.

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** 

Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to the population to determine if the original appraisal value was reasonably supported when compared to an independent third-party valuation product.

**Valuation Reconciliation Process:**

● If the AVM (Automated Valuation Model) supported the origination appraised value within -10% variance, no additional products were required.

● If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 14

![](ex9906001.jpg)

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish the supported value, unless guidelines allowed for the use of the lower Desk Review value for purpose of LTV/CLTV/HCLTV.

**Uniform Collateral Data Portal (UCDP) Risk Score:**

● For loans with a Fannie Mae Collateral Underwriter Score (CU), if an CU Score was available and the CU Score was greater than 2.5, a Desk Review was either reviewed in the loan file or ordered by Clarifii. If the CU Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

The two tables below summarize the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 |

---

**DUE DILIGENCE GRADING CRITERIA** 

Upon completion of the loan file due diligence review, Clarifii assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The National Recognized Statistical Rating Organizations (NRSRO) criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Asset-Backed Securities Form ABS Due Diligence-15E.

**Final Event Grade**

---

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

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 15

![](ex9906001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

| | |
|:---|:---|
| **A** | The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used Government-Sponsored Enterprise (GSE) approved forms. |
| **B** | The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| **C** | The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| **D** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**Compliance Event Grade** 

---

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

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 16

![](ex9906001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;64.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;35.44% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

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.

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;64.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;35.44% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 17

![](ex9906001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$68310921.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$68310921.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;35 | &nbsp;&nbsp;44.30% | &nbsp;&nbsp;$36591449.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;44 | &nbsp;&nbsp;55.70% | &nbsp;&nbsp;$31719472.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$68310921.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;38 | &nbsp;&nbsp;48.10% | &nbsp;&nbsp;$36135210.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;41 | &nbsp;&nbsp;51.90% | &nbsp;&nbsp;$32175711.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$68310921.00** |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 18

![](ex9906001.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$68310921.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$68310921.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$1380000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.73% | &nbsp;&nbsp;$66930921.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$68310921.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Client with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the loan review.

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;72 | &nbsp;&nbsp;97.22% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 19

![](ex9906001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;70 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;5 | &nbsp;&nbsp;71 | &nbsp;&nbsp;92.96% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;76 | &nbsp;&nbsp;76.32% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;76 | &nbsp;&nbsp;98.68% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;76 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 20

![](ex9906001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;76 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;1 | &nbsp;&nbsp;76 | &nbsp;&nbsp;98.68% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;61 | &nbsp;&nbsp;76 | &nbsp;&nbsp;19.74% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;76 | &nbsp;&nbsp;93.42% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;97.47% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;79 | &nbsp;&nbsp;75.95% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;77 | &nbsp;&nbsp;97.40% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;77 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;77 | &nbsp;&nbsp;84.42% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;6 | &nbsp;&nbsp;72 | &nbsp;&nbsp;91.67% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and Summary Report

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 21

![](ex9906001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Business Purpose Supplement Data Extract Report

**Disclaimer**

*Clarifii LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).*

*Please be advised that Clarifii 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. Clarifii'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. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared, and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.*

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.*

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

JPMMT 2025-NQM5 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.07

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.07**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304495290 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304495290 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304485175 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304485175 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304681900 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304686378 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304686378 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304702210 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304713633 | XXXX | Note Date | notePage | XXXX | XXXX | From note |
| XXXX | XXXX | 304713633 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | From appraisal report |
| XXXX | XXXX | 304713633 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | From final CD |
| XXXX | XXXX | 304713633 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | From appraisal report |
| XXXX | XXXX | 304713634 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304713634 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304713634 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 189.15 | DSCR |
| XXXX | XXXX | 304713639 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304713639 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | From appraisal report |
| XXXX | XXXX | 304713639 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.33 | 1.265 | Lender used incorrect rent amounts per their DSCR calc |
| XXXX | XXXX | 304736032 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304736032 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2512.24 | DSCR loan |
| XXXX | XXXX | 304736055 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736055 | XXXX | Qualifying FICO | creditLiabilitiesPage | 792 | 724 | Per credit report |
| XXXX | XXXX | 304736055 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.23 | 49.82 | 1008 reflects incorrect PITIA payment. |
| XXXX | XXXX | 304736009 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304736009 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 52.75 | 49.10 | Variance due to qualifying P&I payment and REO |
| XXXX | XXXX | 304735997 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304735997 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304736025 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304736025 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.96 | 21.97 | Lender used 12 months instead of 24 months when calculating income, also did not exclude debts less than 10 payments |
| XXXX | XXXX | 304736001 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304736001 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Questionnaire & Guidelines. |
| XXXX | XXXX | 304736004 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304736004 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal report |
| XXXX | XXXX | 304736104 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304736104 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304736104 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.97 | 13.60 | Audit PITI is higher. |
| XXXX | XXXX | 304758084 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304758084 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final note |
| XXXX | XXXX | 304758084 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Current appraised value - using previous listing price as value. |
| XXXX | XXXX | 304758084 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal 3 unit with ADU |
| XXXX | XXXX | 304758084 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.62 | 45.16 | Variance due to subject negative rental loss |
| XXXX | XXXX | 304758183 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304758183 | XXXX | Number of Units | propertyValuationPage | 6 | 4 | Per Appraisal |
| XXXX | XXXX | 304758183 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304758183 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304754682 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304754682 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304778039 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304778039 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304778040 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304763640 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | Per 1003 (current addr in Canada) |
| XXXX | XXXX | 304758120 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304817027 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304817030 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304817030 | XXXX | MIN No | deedOfTrustPage | XXXX | XXXX | per DOT |
| XXXX | XXXX | 304817030 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304817030 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304817021 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304817021 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 304817021 | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | Per Final 1003 |
| XXXX | XXXX | 304817021 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304817039 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304817039 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 304817039 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304817039 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per Appraisal/Title |
| XXXX | XXXX | 304817043 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304819805 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304819805 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304816963 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304816963 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304816978 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304819837 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304819837 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Narrative. |
| XXXX | XXXX | 304817024 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304817024 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304817024 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.39 | 26.17 | Lender counted duplicate and open 30 day accounts |
| XXXX | XXXX | 304819834 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304825213 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304825213 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 304825197 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825197 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal. |
| XXXX | XXXX | 304825197 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.169 | 1.253 | Market rent/PITIA |
| XXXX | XXXX | 304825208 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304819794 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825152 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304817036 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825180 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825196 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825196 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304825196 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.047 | 1.038 | Audit and Lender DSCR calc. match |
| XXXX | XXXX | 304825223 | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | XXXX | 304825223 | XXXX | Calculated DSCR | diligenceFinalLookPage | 3.916 | 4.896 | Lender did not take 80% of the STR Pro monthly rental income as required per G/L. |
| XXXX | XXXX | 304825223 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 33.54 | DSCR |
| XXXX | XXXX | 304819832 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825222 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304819817 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304819817 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304813609 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit used all eligible assets |
| XXXX | XXXX | 304825149 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825157 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304825157 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304825157 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304825157 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Lender used recent list price for LTV calc |
| XXXX | XXXX | 304825219 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825199 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825199 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.324 | 1.361 | Variance is due to Lender using lower taxes |
| XXXX | XXXX | 304825231 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304825231 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 613.55 | DSCR Loan |
| XXXX | XXXX | 304825211 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825211 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 304825211 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304843230 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304843230 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per appraisal and condo questionnaire |
| XXXX | XXXX | 304825164 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304825164 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304825164 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.4 | 10.82 | Lender removed income post close. |
| XXXX | XXXX | 304843200 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304843200 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304843235 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | XXXX | 304843235 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.31 | 46.34 | DTI within tolerance of DTI on 1008 in file |
| XXXX | XXXX | 304843148 | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 304843146 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 304843201 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304843201 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304843269 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304843269 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304843192 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304843143 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304843143 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | XXXX | 304843190 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 304866872 | XXXX | Qualifying FICO | creditLiabilitiesPage | 762 | 708 | per credit report |
| XXXX | XXXX | 304843188 | XXXX | Note Date | notePage | XXXX | XXXX | Per Executed Note |
| XXXX | XXXX | 304843270 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | XXXX | 304843270 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | XXXX | 304843270 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Title |
| XXXX | XXXX | 304843248 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | XXXX | 304843248 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | XXXX | XXXX | From documentation in file. Borrower has employment card |
| XXXX | XXXX | 304843211 | XXXX | First Payment Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304843211 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304843211 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304843137 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304843137 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 304843137 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per title/Appraisal |
| XXXX | XXXX | 304840569 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Verified to be lower |
| XXXX | XXXX | 304840627 | XXXX | Borrower 1 FTHB | the1003Page | true | N | FTHB per Audit |
| XXXX | XXXX | 304840627 | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | ATR/QM: Exempt | Primary Residence Not exempt |
| XXXX | XXXX | 304840627 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 31.81 | 50.00 | Audit used all available assets |

---

## Exhibit 99.08

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.08**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 304485171 C A | Closed | finding-3634 | 2025-01-10 14:04 | 2025-02-10 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. Please see attached disclosures sent by our Disclosure team. - Seller-02/07/2025 <br> Counter-Received PCCD XXXX however, the lender credit still does not reflect it is for the tolerance violation. Finding remains. - Due Diligence Vendor-02/05/2025 <br> Counter-Received final CD XXXX which does include a lender credit of XXXX, missing verbiage "for increase in Closing Costs above legal limit". - Due Diligence Vendor-01/21/2025 <br> Ready for Review-Document Uploaded. Please note that the Final CD (Page 2, Last Line) shows a Lender Credit of XXXX. We ask that this condition please be cleared. - Seller-01/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Mortgage Broker fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. Please see attached disclosures sent by our Disclosure team. - Seller-02/07/2025 <br> Ready for Review-Document Uploaded. Please note that the Final CD (Page 2, Last Line) shows a Lender Credit of XXXX. We ask that this condition please be cleared. - Seller-01/17/2025 | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 747<br>LTV is less than guideline maximum - Max LTV 80%, loan is at 69.96% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3184724 |
| XXXX | XXXX | 304495290 B A | Closed | FCRE1440 | 2025-01-24 08:54 | 2025-01-24 08:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Covid related forbearance does not meet 36 mo seasoning. <br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-01/24/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Covid related forbearance does not meet 36 mo seasoning. <br> Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-01/24/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 0, borrower has 14 months documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 723 | DTI is 12% lower than max. <br> Reserves 14 mo's more than min required. <br> Score is 23 points higher than min. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3274563 |
| XXXX | XXXX | 304485175 C A | Closed | FCRE9996 | 2025-01-30 13:49 | 2025-02-20 14:45 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received acceptable Milestone inspection dated within 10 years. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2025 <br> Counter-Attached CD is does not support finding requirement. Missing proof of Milestone Structural Inspection. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a XXXX charge for a Lock Extension. - Seller-02/06/2025 <br> Open- Missing proof of Milestone Structural Inspection, required in XXXX - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2025 <br> Ready for Review-Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a XXXX charge for a Lock Extension. - Seller-02/06/2025 | Resolved-Received acceptable Milestone inspection dated within 10 years. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3319211 |
| XXXX | XXXX | 304485175 C A | Closed | FPRO9999 | 2025-01-30 09:50 | 2025-02-11 06:55 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received the letter from the HOA Association supporting that the litigation will not affect the marketability of the project units and that the insurance carrier has agreed to conduct defense and the HOA insurance policy is sufficient to cover the litigation expense. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Please note that guidelines do not require verification of both, that the Insurance is handling the claim and the dollar amount of the claim. Per Guidelines; Pending litigation can be cleared with a Letter confirming the Insurance Company is handling the claim; or, documentation verifying the amount of the claim and confirmation the HOI contains sufficient coverage to cover the claim. We note that the Letter in file, supporting that the HOI company is handling the claim is sufficient to clear this condition. - Seller-02/07/2025 <br> Open-Condo is currently in litigation per questionnaire. Per Condo letter provided, litigation is for a pending claim for a burn from a gas grill and is being managed by the XXXX Insurance. Letter states the HOA insurance is sufficient to ensure that the case will not have an adverse effect upon it's financial condition. Missing evidence of the dollar amount being pursued by plaintiff. Additional conditions may apply. - Due Diligence Vendor-01/30/2025 | Ready for Review-Please note that guidelines do not require verification of both, that the Insurance is handling the claim and the dollar amount of the claim. Per Guidelines; Pending litigation can be cleared with a Letter confirming the Insurance Company is handling the claim; or, documentation verifying the amount of the claim and confirmation the HOI contains sufficient coverage to cover the claim. We note that the Letter in file, supporting that the HOI company is handling the claim is sufficient to clear this condition. - Seller-02/07/2025<br>| Resolved-Received the letter from the XXXX supporting that the litigation will not affect the marketability of the project units and that the insurance carrier has agreed to conduct defense and the XXXX insurance policy is sufficient to cover the litigation expense. - Due Diligence Vendor-06/20/2025 | LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3315592 |
| XXXX | XXXX | 304485175 C A | Closed | finding-3652 | 2025-01-28 12:26 | 2025-02-07 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached CD which shows a CIC. The XXXX LC was eliminated due to a XXXX charge for a Lock Extension - Seller-02/06/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a XXXX charge for a Lock Extension - Seller-02/06/2025 | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/07/2025 | LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3297829 |
| XXXX | XXXX | 304485175 C A | Closed | FCRE5790 | 2025-01-30 09:03 | 2025-02-06 17:15 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Drive report w/UDM. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Please see attached DV pulled XXXX showing there were no significant changes to the borrower's credit that would impact the credit decision - Seller-02/04/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 23 days old - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please see attached DV pulled XXXX showing there were no significant changes to the borrower's credit that would impact the credit decision - Seller-02/04/2025 | Resolved-Received Drive report w/UDM. - Due Diligence Vendor-02/06/2025<br>| LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3315071 |
| XXXX | XXXX | 304681900 C B A | Closed | FCRE0019 | 2025-04-10 09:58 | 2025-04-28 13:51 | Waived | 2 - Non-Material C B | Credit | Income/Employment | PTIN Prepared P&L | Waived-Originator provided an exception to allow a PTIN-prepared P&L. Waiver applied with comp factor. - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-PTIN prepared the P&L. Per guides 7.3.2 overlay - Lender guides specific to loan program do not allow for a Profit and Loss (P&L) statement prepared by an individual with only a PTIN. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Waived-Originator provided an exception to allow a PTIN-prepared P&L. Waiver applied with comp factor. - Due Diligence Vendor-04/28/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 109 months.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 45%.<br>LTV is less than guideline maximum - Lender max LTV 70%, subject property LTV 30.47%. | LTV is 5% less than guideline maximum<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3826921 |
| XXXX | XXXX | 304686378 C B A | Closed | FCRE0970 | 2025-04-25 14:06 | 2025-04-25 15:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as received additional commentary from appraiser that this is common for area. multiple comps share similar characteristics - Due Diligence Vendor-04/25/2025 <br>Open-Exception Request for Fair/Poor items listed on page 598 - Due Diligence Vendor-04/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as received additional commentary from appraiser that this is common for area. multiple comps share similar characteristics - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 718<br>Months Reserves exceed minimum required - 3 months reserves minimum required, borrower has 68 documented | LTV 5% below Max<br> Fico score 42 point above min<br> Reserves above the min req |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3966181 |
| XXXX | XXXX | 304686378 C B A | Closed | FCRE1200 | 2025-04-25 13:56 | 2025-04-25 15:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow (closed 3 loans for same borrower) - Due Diligence Vendor-04/25/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Exception Request for loan amount less than guidelines<br> - Due Diligence Vendor-04/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow (closed 3 loans for same borrower) - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 718<br>Months Reserves exceed minimum required - 3 months reserves minimum required, borrower has 68 documented | 0X30 mortgage history 24+ months<br> credit score 20 point above min<br> 4+ years in primary |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3966050 |
| XXXX | XXXX | 304702210 C B A | Closed | FCRE2244 | 2025-05-01 11:42 | 2025-06-04 12:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material 2 ADU units. - Due Diligence Vendor-06/04/2025 <br>Open-Property Issues are identified for the property Exception Request: Cheese does not allow 2 ADU. Exception to allow 2 ADU - Due Diligence Vendor-05/01/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material 2 ADU units. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 747<br>Months Reserves exceed minimum required - Min reserves 9+ 3 required for exception= 12 mths-- Borrower has 44.9 mths in reserves | -FICO 747 (over 20 points of requirements)<br> -3 mths reserves above minimum<br> - Years on Job 6 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4016130 |
| XXXX | XXXX | 304702210 C B A | Closed | FCRE0970 | 2025-05-01 11:43 | 2025-05-01 14:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material < 90 days/ - Due Diligence Vendor-05/01/2025 <br>Open-Appraisal transfer over 60 days.<br> Exception to allow appraisal transfer over 60 days. - Due Diligence Vendor-05/01/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non-material < 90 days/ - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 747<br>Months Reserves exceed minimum required - Min reserves 9+ 3 required for exception= 12 mths-- Borrower has 44.9 mths in reserves | -FICO 747 (over 20 points of requirements)<br> -3 mths reserves above minimum<br> - Years on Job 6 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4016140 |
| XXXX | XXXX | 304713633 C B A | Closed | FCRE1194 | 2025-05-27 10:11 | 2025-05-27 10:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow LTV of 75%, Non-material waiver applied with comp factors. non-material due to DSCR > 1.2 - Due Diligence Vendor-05/27/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Loan exception in file for LTV exceeding the max. allowed of 70% - Due Diligence Vendor-05/27/2025 |  | Waived-Originator exception granted to allow LTV of 75%, Non-material waiver applied with comp factors. non-material due to DSCR > 1.2 - Due Diligence Vendor-05/27/2025<br>| Months Reserves exceed minimum required - Verified assets of 19.36 months exceeds the minimum required of 3 months<br>DSCR % greater than 1.20 - Calculated DSCR of 1.693 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4242975 |
| XXXX | XXXX | 304713633 C B A | Closed | FCRE1200 | 2025-05-27 10:11 | 2025-05-27 10:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow loan amount < XXXX, Non-material waiver applied with comp factors. non-material due to DSCR > 1.2 - Due Diligence Vendor-05/27/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Loan exception in file for minimum loan amount less than XXXX - Due Diligence Vendor-05/27/2025 |  | Waived-Originator exception granted to allow loan amount < XXXX, Non-material waiver applied with comp factors. non-material due to DSCR > 1.2 - Due Diligence Vendor-05/27/2025 | Months Reserves exceed minimum required - Verified assets of 19.36 months exceeds the minimum required of 3 months<br>DSCR % greater than 1.20 - Calculated DSCR of 1.693 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4242974 |
| XXXX | XXXX | 304713634 D A | Closed | FCRE0970 | 2025-05-29 12:13 | 2025-06-16 16:58 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025 <br>Open-Missing correction to the Appraisal to reflect 10 units (per leases provided and Drive-by inspection) - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-06/12/2025<br>| Resolved-Received corrected appraisal - Due Diligence Vendor-06/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 764<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 58.32 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4271312 |
| XXXX | XXXX | 304713634 D A | Closed | FCRE7347 | 2025-05-29 12:16 | 2025-06-04 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-All leases were in effect at the initial loan application date. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-At the time of application, all leases were active and in effect. Our guidelines do not specify a required timeframe for the lease effective date therefore, not considering this month to month and 2months receipt is not required. The total monthly rent used was XXXX, which is a conservative figure supported by both the market rent analysis and the executed lease agreements. As such, there is no adverse impact on the DSCR. - Seller-06/04/2025 <br> Open-For the units that have converted to Month-to-Month require provide proof of the most recent 2 months of receipt of evidence continuation of lease on refinance transactions. - Due Diligence Vendor-05/29/2025 | Ready for Review-At the time of application, all leases were active and in effect. Our guidelines do not specify a required timeframe for the lease effective date therefore, not considering this month to month and 2months receipt is not required. The total monthly rent used was XXXX, which is a conservative figure supported by both the market rent analysis and the executed lease agreements. As such, there is no adverse impact on the DSCR. - Seller-06/04/2025 | Resolved-All leases were in effect at the initial loan application date. - Due Diligence Vendor-06/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 764<br>Months Reserves exceed minimum required - Min reserves required 6 mths- Borrower has 58.32 mths in reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4271365 |
| XXXX | XXXX | 304713639 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304736032 C B A | Closed | FCRE1440 | 2025-06-18 13:20 | 2025-06-20 09:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow First time Investor without primary housing history, Non-material waiver applied with comp factors. non-material due to B1 lives spouse (spouse owns primary), prior mortgage history on credit 0X30. - Due Diligence Vendor-06/20/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception Request: Seeking exception to allow first time investor for this program. Borrower does not own a primary or have a payment history for recent 12 months. - Due Diligence Vendor-06/18/2025 |  | Waived-Originator exception granted to allow First time Investor without primary housing history, Non-material waiver applied with comp factors. non-material due to B1 lives spouse (spouse owns primary), prior mortgage history on credit 0X30. - Due Diligence Vendor-06/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 10 months. | FICO 20 points above minimum<br> 24+ month credit history exceeds minimum required<br> Prior mortgage history on credit 0X30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4489222 |
| XXXX | XXXX | 304736055 D B A | Closed | FCRE1158 | 2025-06-20 09:07 | 2025-06-24 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Upon further review, the loan file contains sufficient HOI premium documentation. - Due Diligence Vendor-06/24/2025 <br> Ready for Review-We respectfully disagree. Per the final CD, located on page 318 of the downloaded file, taxes and insurance are not escrowed/impounded and the amount collected for HOI was XXXX as per the dec page. The XXXX was a placeholder estimate used for the monthly HOI at application which was not updated upon receipt of the dec page. The correction results in lower DTI, rendering the error immaterial. - Seller-06/21/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI Dec page reflect a premium of XXXX - lender collected XXXX/mo for premium - lender to provide additional dec page supporting higher premium. - Due Diligence Vendor-06/20/2025 | Ready for Review-We respectfully disagree. Per the final CD, located on page 318 of the downloaded file, taxes and insurance are not escrowed/impounded and the amount collected for HOI was XXXX as per the dec page. The XXXX was a placeholder estimate used for the monthly HOI at application which was not updated upon receipt of the dec page. The correction results in lower DTI, rendering the error immaterial. - Seller-06/21/2025 | Resolved-Upon further review, the loan file contains sufficient HOI premium documentation. - Due Diligence Vendor-06/24/2025<br>| Months Reserves exceed minimum required - 12 months minimum reserves required, borrower has 49.99 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 724 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4509144 |
| XXXX | XXXX | 304736055 D B A | Closed | FCRE1194 | 2025-06-18 15:34 | 2025-06-20 09:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 78.95% exceeds Guideline LTV of 75% Originator exception granted to allow 80% LTV, Non-material waiver applied with comp factors. non-material due to excellent payment history. - Due Diligence Vendor-06/18/2025 |  | Waived-Audited LTV of 78.95% exceeds Guideline LTV of 75% Originator exception granted to allow 80% LTV, Non-material waiver applied with comp factors. non-material due to excellent payment history. - Due Diligence Vendor-06/18/2025<br>| Months Reserves exceed minimum required - 12 months minimum reserves required, borrower has 49.99 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 724 | 24+ month credit history<br> DTI 5% below Max allowed<br> 30 Yrs on job |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4491902 |
| XXXX | XXXX | 304736009 D B A | Closed | FCRE1193 | 2025-06-23 17:04 | 2025-07-16 13:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow 52.75% DTI - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Open-Audited DTI of 52.75% exceeds Guideline DTI of 50% Audit qualifying P&I for the subject first lien was XXXX versus 1008 UW comments stating Lender used XXXX; Additionally, the UW used rental income from an investment property in the borrower's income. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to allow 52.75% DTI - Due Diligence Vendor-07/16/2025<br>| Months Reserves exceed minimum required - 6 mths reserves req'd- Borrower has 18.66 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 715 | 24+ month credit history exceeds minimum required<br> 5+ years Verified employment history exceeds guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 4534178 |
| XXXX | XXXX | 304736009 D B A | Closed | FCRE6843 | 2025-06-23 16:50 | 2025-06-30 14:29 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received the HELOC Statement and terms for the primary residence. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please clear this condition. Please see attached. XXXX shows the credit line advance of XXXX made on XXXX. Also provided HELOC note and XXXX Heloc Statement. - Seller-06/27/2025 <br> Open-The 1003 Declarations Question 5a(C) reflects the borrower is borrowing XXXX for this transaction, please provide the documentation (terms of the loan). This must meet the guidelines. Additionally findings may apply. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please clear this condition. Please see attached. XXXX shows the credit line advance of XXXX made on XXXX. Also provided HELOC note and XXXX Heloc Statement. - Seller-06/27/2025 | Resolved-Received the HELOC Statement and terms for the primary residence. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - 6 mths reserves req'd- Borrower has 18.66 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 715 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4534009 |
| XXXX | XXXX | 304736009 D B A | Closed | FCRE7347 | 2025-06-23 13:42 | 2025-06-30 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received the airbnb for 3b. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. Lease agreement not required for property 3b - XXXX since this investment property is leased on a short- term basis utilizing an online service such as XXXX. The XXXX statement provided in the file shows a Homes section referencing the Carpenter Address. Please clear this condition. - Seller-06/27/2025 <br> Open-Provide the lease for property 3b. Additionally, provide proof of what property the XXXX printout is for. - Due Diligence Vendor-06/23/2025 | Ready for Review-Document Uploaded. Please see attached. Lease agreement not required for property 3b - XXXX since this investment property is leased on a short- term basis utilizing an online service such as XXXX. The XXXX statement provided in the file shows a Homes section referencing the XXXX Address. Please clear this condition. - Seller-06/27/2025 | Resolved-Received the XXXX for 3b. - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 6 mths reserves req'd- Borrower has 18.66 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 715 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4530644 |
| XXXX | XXXX | 304735997 D A | Closed | FCRE1194 | 2025-06-24 11:56 | 2025-06-30 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the bank statement program uses Full - Lite matrix. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. Based on the matrix, the Bank Statement will qualify under the Lite Full Doc matrix. - Seller-06/26/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per Matrix the max LTV is 70% for Investment Cash Out, provide exception. - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. Based on the matrix, the Bank Statement will qualify under the XXXX Doc matrix. - Seller-06/26/2025 | Resolved-Upon further review, the bank statement program uses XXXX matrix. Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 72.27 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4543120 |
| XXXX | XXXX | 304735997 D A | Closed | FCRE7497 | 2025-06-24 11:59 | 2025-06-30 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Loan Estimates. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Please see attached - Seller-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br> Open-Provide proof of the new mortgages with XXXX for properties 3c,3d, 3f, 3g and 3i. - Due Diligence Vendor-06/24/2025 | Ready for Review-Please see attached - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received Loan Estimates. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 72.27 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4543192 |
| XXXX | XXXX | 304735997 D A | Closed | FCRE6618 | 2025-06-24 12:00 | 2025-06-30 15:39 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-Please see attached - Seller-06/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025 <br> Open-Provide revised 1003 with XXXX Lease reflected. - Due Diligence Vendor-06/24/2025 | Ready for Review-Please see attached - Seller-06/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-06/26/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-06/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower's reserves 72.27 mths <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4543218 |
| XXXX | XXXX | 304736025 C B A | Closed | FCRE1193 | 2025-06-25 09:35 | 2025-09-09 09:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver for DTI >50%, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. Attached please find the revised 1003 and 1008 and the Income calculation worksheet for a restructured approval with 12 months bank statements. - Seller-09/04/2025 <br>Open-Audited DTI of 56.97% exceeds Guideline DTI of 50% Income was not calculated correctly, lender averaged 24 months of bank statetments over 12 months, which over stated income. - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. Attached please find the revised 1003 and 1008 and the Income calculation worksheet for a restructured approval with 12 months bank statements. - Seller-09/04/2025<br>| Waived-Originator provided a waiver for DTI >50%, applied to non material finding with comp factors - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 11.72 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 723 | Reserves: 3+ months above minimum verified<br> Employment: 5+ years verified<br> Credit History: 0x30 for 24 months verified | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4554264 |
| XXXX | XXXX | 304736025 C B A | Closed | FCRE1506 | 2025-06-25 14:18 | 2025-09-09 09:35 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Attached please find the revised 1003 and 1008 and the Income calculation worksheet for a restructured approval with 12 months bank statements.(attachments are in related finding) - Seller-09/04/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds maximum. - Due Diligence Vendor-06/25/2025 | Ready for Review-Attached please find the revised 1003 and 1008 and the Income calculation worksheet for a restructured approval with 12 months bank statements.(attachments are in related finding) - Seller-09/04/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 11.72 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 723 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4560758 |
| XXXX | XXXX | 304736025 C B A | Closed | FCRE8611 | 2025-06-25 09:39 | 2025-06-30 14:49 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, it appears the company has been active since XXXX. - Due Diligence Vendor-06/30/2025 <br> Ready for Review-We kindly disagree, The printout provided does not show the business was inactive, the printout shows the Sellers permit referenced was expired. We point out that the document in file shows permits are issued in 2 year increments, therefore, 5 of the 6 Permits would have been expired with only the Permit from XXXX being active. The fact that the business had valid permits issued between XXXX to present supports the business has been operating without any interruption. We ask that this item be cleared. - Seller-06/27/2025 <br> Open- Business license reflects business opened in XXXX however was inactive until XXXX - Due Diligence Vendor-06/25/2025 | Ready for Review-We kindly disagree, The printout provided does not show the business was inactive, the printout shows the Sellers permit referenced was expired. We point out that the document in file shows permits are issued in 2 year increments, therefore, 5 of the 6 Permits would have been expired with only the Permit from XXXX being active. The fact that the business had valid permits issued between XXXX to present supports the business has been operating without any interruption. We ask that this item be cleared. - Seller-06/27/2025 | Resolved-Upon further review, it appears the company has been active since XXXX. - Due Diligence Vendor-06/30/2025 | Months Reserves exceed minimum required - 6 months minimum reserves required, borrower has 11.72 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 723 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4554356 |
| XXXX | XXXX | 304735991 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304736001 C A | Closed | FCRE0136 | 2025-07-02 11:22 | 2025-07-07 16:53 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received 1008 reflecting Warranty Type Q - Due Diligence Vendor-07/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025 <br>Open-Not found in uploaded documents and it is not noted on final 1008 - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/02/2025<br>| Resolved-Received 1008 reflecting Warranty Type Q - Due Diligence Vendor-07/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 35.18%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers FICO is 741 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4630898 |
| XXXX | XXXX | 304736004 C A | Closed | FCRE1510 | 2025-07-01 19:55 | 2025-07-14 16:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. Mortgage with attached legal description. - Seller-07/14/2025 <br> Counter-Deed w/legal provided, however we are missing the legal attached to the Mortgage. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. Please see attached. Pg 90 -92 of signed closing package shows XXXX provided Deed and noted see Legal Description annexed hereto and made a part hereof. - Seller-07/02/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. Please see attached. Mortgage with attached legal description. - Seller-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. Pg 90 -92 of signed closing package shows XXXX provided Deed and noted see Legal Description annexed hereto and made a part hereof. - Seller-07/02/2025 | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - Verified assets of 26.39 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 743 is higher than the minimum FICO required of 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4624979 |
| XXXX | XXXX | 304736004 C A | Closed | FCRE7375 | 2025-07-01 20:46 | 2025-07-14 16:40 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-After further review, the guidelines indicate the I-797 serves as evidence of the borrower's extension. - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Please waive as we've documented this accurately in accordance with our guidelines. If the EAD card is expired as of the note date, the borrower must provide evidence that an extension has been requested. The Form I-797C serves as that evidence. - Seller-07/14/2025 <br> Counter-Please provide a letter from the employer indicating they will continue to sponsor their employment as borrower is not currently eligible to work in the XXXX. - Due Diligence Vendor-07/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. As noted, per XXXX Non-QM Loan Eligibility 2.1 Eligible Borrowers. if EAD card is expired at the time of the note date date, borrower must show evidence they have applied for an extension or provide a letter from the employer indicating they will continue to sponsor their employment. There is proof provided in the file wherein the borrower applied for an extension via the I-797C. Also per 2.2.1 XXXX classification allowed as XXXX, an EAD Card with C14 - Alien granted deferred action is allowed as XXXX under the valid EAD Card section. Please clear this condition. - Seller-07/07/2025 <br> Counter-EAD expired XXXX. I-797C receipt of request dated XXXX-borrowers C14 and not eligible for automatic extension. Original finding remains. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Per XXXX non-qm loan guide, 2.1 Eligible Borrowers- If EAD card is expired at time of the note date, borrower must show evidence they have applied for an extension. Borrower provided an I-797 C as evidence to show they applied for an extension. - Seller-07/03/2025 <br> Open-Employment authorization card is expired and I-797C form does not reflect an extension date. - Due Diligence Vendor-07/02/2025 | Ready for Review-Please waive as we've documented this accurately in accordance with our guidelines. If the EAD card is expired as of the note date, the borrower must provide evidence that an extension has been requested. The Form I-797C serves as that evidence. - Seller-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. As noted, per XXXX Non-QM Loan Eligibility 2.1 Eligible Borrowers. if EAD card is expired at the time of the note date date, borrower must show evidence they have applied for an extension or provide a letter from the employer indicating they will continue to sponsor their employment. There is proof provided in the file wherein the borrower applied for an extension via the I-797C. Also per 2.2.1 XXXX classification allowed as XXXX, an EAD Card with C14 - Alien granted deferred action is allowed as XXXX under the valid EAD Card section. Please clear this condition. - Seller-07/07/2025 <br> Ready for Review-Per XXXX non-qm loan guide, 2.1 Eligible Borrowers- If EAD card is expired at time of the note date, borrower must show evidence they have applied for an extension. Borrower provided an I-797 C as evidence to show they applied for an extension. - Seller-07/03/2025 | Resolved-After further review, the guidelines indicate the I-797 serves as evidence of the borrower's extension. - Due Diligence Vendor-07/14/2025<br>| Months Reserves exceed minimum required - Verified assets of 26.39 months exceeds the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 743 is higher than the minimum FICO required of 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4625328 |
| XXXX | XXXX | 304736104 C A | Closed | FCRE7009 | 2025-07-02 13:14 | 2025-07-07 16:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI confirming dwelling + other structure coverage is sufficient. - Due Diligence Vendor-07/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. Hazard Insurance shows Coverage Dwelling for subject investment property - XXXX is XXXX, XXXXand RCE is XXXX while XXXX shows XXXX and RCE is XXXX for a total of XXXX. The Appraisal report RCE is XXXX.<br>Per XXXX non-qm guide 10.13 Hazard Insurance - the hazard insurance should be equal or lesser of Replacement Cost Estimator provided from the property insurer or estimated cost to replace the dwelling from a recent appraisal.<br>There is more than enough Hazard insurance coverage provided. Please clear this condition. - Seller-07/02/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide proof of sufficient Hazard Insurance Coverage. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. Please see attached. Hazard Insurance shows Coverage Dwelling for subject investment property - XXXX and XXXX is XXXX while XXXX shows XXXX and XXXX is XXXX for a total of XXXX. The Appraisal report RCE is XXXX.<br>Per Cake non-qm guide 10.13 Hazard Insurance - the hazard insurance should be equal or lesser of Replacement Cost Estimator provided from the property insurer or estimated cost to replace the dwelling from a recent appraisal.<br>There is more than enough Hazard insurance coverage provided. Please clear this condition. - Seller-07/02/2025 | Resolved-Received HOI confirming dwelling + other structure coverage is sufficient. - Due Diligence Vendor-07/07/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 15% <br>Months Reserves exceed minimum required - Min Reserves req'd 6 mths- Borrower has 8.51 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4634006 |
| XXXX | XXXX | 304758112 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304758084 C A | Closed | FCRE8701 | 2025-07-24 10:21 | 2025-09-08 11:19 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Per the lender, this is a XXXX and the borrower uses his SS# to operate his business - Due Diligence Vendor-09/08/2025 <br> Counter-SOS provided, however we are missing the EIN from the IRS - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-07/31/2025 <br> Counter-XXXX - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Please explain which entity you are referring to for the missing EIN . - Seller-07/25/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-07/31/2025 <br>Ready for Review-Please explain which entity you are referring to for the missing EIN . - Seller-07/25/2025<br>| Resolved-Per the lender, this is a XXXX and the borrower uses his SS# to operate his business - Due Diligence Vendor-09/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 758<br>Months Reserves exceed minimum required - 6 months minimum reserves, borrower has 25.92 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4932077 |
| XXXX | XXXX | 304758183 C B A | Closed | FCRE1194 | 2025-07-28 13:55 | 2025-07-30 17:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/30/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception request: Max LTV under this program is 70%, please allow us to go to 75% LTV. - Due Diligence Vendor-07/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/30/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 159.73 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 794 | - 24 + month on time mortgage history<br> - FICO > 20 points above minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4968584 |
| XXXX | XXXX | 304758183 C B A | Closed | FCRE0140 | 2025-07-28 13:58 | 2025-07-28 14:56 | Waived | 2 - Non-Material B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/28/2025 <br>Open-Exception request: Back out management fees in DSCR Calc. To include total lease in DSCR payment calc instead of excluding 4% of the lease going to management fees<br> - Due Diligence Vendor-07/28/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-07/28/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 159.73 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrowers FICO 794 | - 794 FICO (20 points above minimum)<br> - 24 + month on time mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 4968642 |
| XXXX | XXXX | 304754682 D B C A | Closed | FCRE1198 | 2025-07-29 16:43 | 2025-08-26 16:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for total 3 months PITIA reserves applied to non material finding with comp factors - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/23/2025 <br>Counter-Please provide a new exception approval w/the higher DTI. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-The DTI meets the guidelines, and the Exception is for shortage on the reserves. There is no significant to the listed DTI on the exception form - Seller-08/01/2025 <br>Open-Audited Reserves of 5.65 month(s) are less than Guideline Required Reserves of 6 month(s) Guides require 6 months reserves. Lender exception in file approved to reduce reserves requirement to 3 months. Exception was approved with a maximum DTI of 45%. However, the exception was not valid as the loan approval and audit confirmed the loan closed with a DTI ratio of 49.996%. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/23/2025 <br>Ready for Review-The DTI meets the guidelines, and the Exception is for shortage on the reserves. There is no significant to the listed DTI on the exception form - Seller-08/01/2025<br>| Waived-Originator provided a waiver for total 3 months PITIA reserves applied to non material finding with comp factors - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 765 <br>Credit history exceeds minimum required - Borrower's credit history 24+months 0x30 | - FICO is over 20+ points higher than min required<br> - 24+ months credit history 0X30<br> - VOR infile, 12 months 0X30<br> - Years at job 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4986837 |
| XXXX | XXXX | 304754682 D B C A | Closed | FCRE0113 | 2025-08-01 15:03 | 2025-08-05 14:17 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, appraisal was ordered through a management company. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Please see the appraisal it is ordered through an XXXX - Seller-08/01/2025 <br> Open-All appraisals must be ordered through an XXXX - Due Diligence Vendor-08/01/2025 | Ready for Review-Please see the appraisal it is ordered through an XXXX - Seller-08/01/2025 | Resolved-Upon further review, appraisal was ordered through a management company. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 765 <br>Credit history exceeds minimum required - Borrower's credit history 24+months 0x30 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5028210 |
| XXXX | XXXX | 304754682 D B C A | Closed | FPRO1242 | 2025-07-29 15:58 | 2025-08-01 14:58 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Please see attached, Thank you - Seller-07/30/2025 <br>Open-Appraisal is Missing Missing the appraisal for the subject property. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Please see attached, Thank you - Seller-07/30/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 765 <br>Credit history exceeds minimum required - Borrower's credit history 24+months 0x30 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4986024 |
| XXXX | XXXX | 304754682 D B C A | Closed | FPRO1253 | 2025-07-29 15:58 | 2025-08-01 14:58 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. Please see attached SSR - Seller-07/30/2025 <br>Open-Additional valuation product has not been provided. Missing the additional valuation product for the subject. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Please see attached SSR - Seller-07/30/2025<br>| Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-08/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 765 <br>Credit history exceeds minimum required - Borrower's credit history 24+months 0x30 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4986025 |
| XXXX | XXXX | 304778039 C B A | Closed | FCRE3599 | 2025-07-28 12:10 | 2025-07-28 13:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow 17 financed properties, Non-material waiver applied with comp factors. non-material due to experienced investor, DTI and overall credit profile. - Due Diligence Vendor-07/28/2025 <br> Open-Borrower owns XXXX REOS lender exception to allow over XX loans / XXmm aggregate. - Due Diligence Vendor-07/28/2025 |  | Waived-Originator exception granted to allow 17 financed properties, Non-material waiver applied with comp factors. non-material due to experienced investor, DTI and overall credit profile. - Due Diligence Vendor-07/28/2025<br>| Qualifying DTI below maximum allowed - DTI is 9.49% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700 | FICO 20 points or more under requirement<br> Total Debt 10% or more under requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4966501 |
| XXXX | XXXX | 304778040 C B A | Closed | FCRE1510 | 2025-07-24 14:29 | 2025-07-30 17:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. mortgage and cema with legal showing - Seller-07/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. mortgage and cema with legal showing - Seller-07/29/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/30/2025<br>| Qualifying DTI below maximum allowed - DTI is 9.4% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4937598 |
| XXXX | XXXX | 304778040 C B A | Closed | FCRE3599 | 2025-07-29 11:35 | 2025-07-29 12:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted to allow 16 financed properties. Non-material waiver applied with comp factors. Deemed non-material due to strong comp factors - Due Diligence Vendor-07/29/2025 <br> Open-Borrower owns XXXX REOS over XX loans / XXmm aggregate.<br>- Due Diligence Vendor-07/29/2025 |  | Waived-Originator exception granted to allow XX financed properties. Non-material waiver applied with comp factors. Deemed non-material due to strong comp factors - Due Diligence Vendor-07/29/2025 | Qualifying DTI below maximum allowed - DTI is 9.4% and max allowed is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700 | -FICO 20 points or more under requirement<br> - Total Debt 10% or more under requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4980119 |
| XXXX | XXXX | 304763640 C A | Closed | FCRE0045 | 2025-08-05 11:38 | 2025-09-18 17:38 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached ACH. - Seller-09/17/2025 <br> Counter-Borrower does not live in the US. ACH is required. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Please see attached- Approval notice for class XXXX. - Seller-09/09/2025 <br> Counter-Missing XXXX and evidence that the borrower lives in the XXXX. The loan application reflects the borrower lives in XXXX. Additionally, findings may apply as XXXX are not allowed. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Subject borrower is not a XXXX because they have a SSS no. and I-797B Notice of Action under case type 1129 - Petition for a non-immigrant worker thus an ACH form is not needed. Please clear this finding. - Seller-08/06/2025 <br> Open-XXXX but the ACH form is Missing from file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please see attached ACH. - Seller-09/17/2025 <br> Ready for Review-Please see attached- Approval notice for class XXXX. - Seller-09/09/2025 <br> Ready for Review-Subject borrower is not a XXXX because they have a SSS no. and I-797B Notice of Action under case type 1129 - Petition for a non-immigrant worker thus an ACH form is not needed. Please clear this finding. - Seller-08/06/2025 | Resolved-Received ACH. - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 753<br>Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 47.98 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5059158 |
| XXXX | XXXX | 304763640 C A | Closed | FCRE1510 | 2025-08-01 06:10 | 2025-08-07 15:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/06/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 753<br>Months Reserves exceed minimum required - Min reserves req'd 3 mths- Borrower has 47.98 mths in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5018958 |
| XXXX | XXXX | 304758120 C B A | Closed | FCRE0099 | 2025-08-01 13:43 | 2025-09-10 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-After further review, the lender confirmed we are utilizing the HOA cert for the correct figures. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Lender Notes that updating the appraisal to match the Condo HOA Cert is recommended but not required. The appraiser does not have access to the HOA's condo cert, budget, etc, nor was it provided to them, so the appraiser used an estimate. They will not be the same unless the condo cert is provided to the appraiser, which then would not change the eligibility of the loan and remains the same. - Seller-09/10/2025 <br>Counter-For clarification--discrepancy between appraisal and HOA questionnaire. Appraiser to correct number of units from 240 to 532. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-We cannot understand what is being requested here. Kindly provide additional clarification so we can resolve this finding. - Seller-09/08/2025 <br>Open-# of Units in project, #units owned by 1 person - Due Diligence Vendor-08/01/2025 | Ready for Review-Lender Notes that updating the appraisal to match the Condo HOA Cert is recommended but not required. The appraiser does not have access to the HOA's condo cert, budget, etc, nor was it provided to them, so the appraiser used an estimate. They will not be the same unless the condo cert is provided to the appraiser, which then would not change the eligibility of the loan and remains the same. - Seller-09/10/2025 <br>Ready for Review-We cannot understand what is being requested here. Kindly provide additional clarification so we can resolve this finding. - Seller-09/08/2025<br>| Resolved-After further review, the lender confirmed we are utilizing the HOA cert for the correct figures. - Due Diligence Vendor-09/10/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months<br>Verified employment history exceeds guidelines - 5 years S/E |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5026741 |
| XXXX | XXXX | 304758120 C B A | Closed | FCRE1198 | 2025-08-01 13:41 | 2025-08-12 14:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, reserves for R/T and an 10% reduction in the P&I does not require reserves. Audited Reserves of 0.71 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Please see XXXX guide 9.7 Reserves - Reserve requirements are waived for Rate-And-Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment by 10% or greater - Seller-08/08/2025 <br> Open-Audited Reserves of 0.63 month(s) are less than Guideline Required Reserves of 3 month(s) Short funds for reserves - Due Diligence Vendor-08/01/2025 | Ready for Review-Please see XXXX guide 9.7 Reserves - Reserve requirements are waived for Rate-And-Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment by 10% or greater - Seller-08/08/2025 | Resolved-Upon further review, reserves for R/T and an 10% reduction in the P&I does not require reserves. Audited Reserves of 0.71 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-08/12/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months<br>Verified employment history exceeds guidelines - 5 years S/E |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5026698 |
| XXXX | XXXX | 304758120 C B A | Closed | FCRE0136 | 2025-08-01 13:59 | 2025-08-12 14:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received UW attestation. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025 <br>Open-Not found in file - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/08/2025<br>| Resolved-Received UW attestation. - Due Diligence Vendor-08/12/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months<br>Verified employment history exceeds guidelines - 5 years S/E |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5027009 |
| XXXX | XXXX | 304758120 C B A | Closed | finding-47 | 2025-07-31 03:24 | 2025-08-12 08:36 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD dated XXXX with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please see attached FINAL CD shows disbursement date of XXXX - Seller-08/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Please see attached FINAL CD shows disbursement date of XXXX - Seller-08/08/2025 | Resolved-Received PCCD dated XXXX with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-08/12/2025 | On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months<br>Verified employment history exceeds guidelines - 5 years S/E |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5003490 |
| XXXX | XXXX | 304758120 C B A | Closed | FCRE1194 | 2025-08-01 13:41 | 2025-08-01 14:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow > 70% LTV with PTIN, Non-material waiver applied with comp factors. non-material due to 74% LTV - Due Diligence Vendor-08/01/2025 <br>Open-Audited LTV of 73.95% exceeds Guideline LTV of 70% - Allow LTV at 74% for ITIN<br> - No Bank Statement requirement with P&L - Due Diligence Vendor-08/01/2025 |  | Waived-Originator exception granted to allow > 70% LTV with PTIN, Non-material waiver applied with comp factors. non-material due to 74% LTV - Due Diligence Vendor-08/01/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months<br>Verified employment history exceeds guidelines - 5 years S/E | -Mortgage history 0x30<br> - Reducing PI payment<br> -5+ years SE<br> - DTI 5% below max |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5026697 |
| XXXX | XXXX | 304758120 C B A | Closed | FCRE1437 | 2025-08-01 14:09 | 2025-08-01 14:22 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted to allow P&L loan with out supporting bank statements, Non-material waiver applied with comp factors. non-material due to Rate and term refinance. - Due Diligence Vendor-08/01/2025 <br>Open-Income and Employment Do Not Meet Guidelines Bank Statements required to support P&L - Waiver in file to not provide the bank Statement - Due Diligence Vendor-08/01/2025 |  | Waived-Originator exception granted to allow P&L loan with out supporting bank statements, Non-material waiver applied with comp factors. non-material due to Rate and term refinance. - Due Diligence Vendor-08/01/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0X30 for 24 months<br>Verified employment history exceeds guidelines - 5 years S/E | Mortgage history 0x30<br> - Reducing PI payment<br> -5+ years SE<br> - DTI 5% below max |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5027193 |
| XXXX | XXXX | 304817027 D A C | Closed | FCRE0095 | 2025-08-24 16:43 | 2025-08-27 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received 1007 reflecting short term rents with vacancy factor considered. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached, Page 35 for 1007 - Seller-08/25/2025 <br>Open-Missing Fair Market Rent. - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached, Page 35 for 1007 - Seller-08/25/2025<br>| Resolved-Received 1007 reflecting short term rents with vacancy factor considered. - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - 23.4 months reserves; 9 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 758; guidelines require 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5295048 |
| XXXX | XXXX | 304817027 D A C | Closed | FPRO1242 | 2025-08-24 15:59 | 2025-08-27 16:48 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal 1004 - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/25/2025 <br>Open-Appraisal is Missing Missing full appraisal listed on CDA in file. - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/25/2025<br>| Resolved-Received appraisal 1004 - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - 23.4 months reserves; 9 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 758; guidelines require 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5294971 |
| XXXX | XXXX | 304817030 C A | Closed | FCRE1204 | 2025-08-25 13:14 | 2025-09-02 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud report. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Drive score 648 - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 760<br>Months Reserves exceed minimum required - 3 month minimum reserve requirement, borrower has 27.84 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5303741 |
| XXXX | XXXX | 304817021 C B A | Closed | FCRE1200 | 2025-08-26 08:07 | 2025-08-26 10:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted to allow XXXX loan amount with min. of XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/26/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Lender approved exception in file. - Due Diligence Vendor-08/26/2025 |  | Waived-Originator exception granted to allow XXXX loan amount with min. of XXXX. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - 640 is the minimum FICO, borrowers mid score is 682<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.164, no minimum per Matrix for LTV of 75% | DSCR is greater than 1.20; however, DSCR is actually 1.164<br> Qualifying FICO is at least 20 points above the minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5314681 |
| XXXX | XXXX | 304817039 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304817043 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304819805 D A | Closed | FCRE7497 | 2025-08-29 13:21 | 2025-09-09 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached - XXXX No HOA for REO 3c per public records XXXX and <br> XXXX<br> - Seller-09/05/2025 <br> Counter-Please confirm if HOA exist for all REOs other than Subject. REO 3a appear to be a condo with HOA fees missing and undetermined for 3c. - Due Diligence Vendor-09/03/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. Please see attached - XXXX Statement account XXXX Mtg XXXX shows impounds included- XXXX - Seller-09/02/2025 <br> Open-Missing information on REO 3c - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see attached - XXXX No HOA for REO 3c per public records XXXX and <br> XXXX No HOA for multi-unit REO XXXX<br> - Seller-09/05/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. Please see attached - XXXX Statement account XXXX Mtg XXXX shows impounds included- XXXX - Seller-09/02/2025 | Resolved-Received HOA verification. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 721<br>Months Reserves exceed minimum required - 3 month minimum reserves, borrower has 21.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5364033 |
| XXXX | XXXX | 304816963 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304816978 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304819837 B A | Closed | FCRE1492 | 2025-08-30 23:19 | 2025-08-31 20:34 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements To allow 5 vacant units. 2 Units max vacancy. Waiver applied to non-material finding with comp factors. Borrower is finishing up remodel of unoccupied units with intent to rent out once cleanup is complete. - Due Diligence Vendor-08/31/2025 |  | Waived-Cash Out Does Not Meet Guideline Requirements To allow 5 vacant units. 2 Units max vacancy. Waiver applied to non-material finding with comp factors. Borrower is finishing up remodel of unoccupied units with intent to rent out once cleanup is complete. - Due Diligence Vendor-08/31/2025 | Months Reserves exceed minimum required - 15.74 months reserves; 12 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 778; guidelines require 720. | 1. Qualifying FICO score 778; guidelines require 720. 2. 15.74 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5371286 |
| XXXX | XXXX | 304817024 D A C | Closed | FCRE1194 | 2025-09-03 10:12 | 2025-09-09 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the approved matrix has been updated. Max LTV is 80%. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Please waive as bank statement loans are based on the XXXX full doc matrix which allows cash outs at 80% ltv. - Seller-09/09/2025 <br> Counter-Tape and loan approval reflect product: XXXX Alt Doc 30 Yr Fixed-Max C/O refi LTV is 70%. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 month Personal Bank statement income verification type. Per the attached XXXX matrix, dated XXXX, the income eligibility for Personal or Business Bank statements is based on the XXXX-Full Doc Matrix (see page 5 in red). As such, the 80% LTV meets the requirements. - Seller-09/04/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% 1008 & Lender approval indicated XXXX Guide/Matrix used. Max C/O refi LTV is 70%. There was no evidence to indicate an exception on file. - Due Diligence Vendor-09/03/2025 | Ready for Review-Please waive as bank statement loans are based on the XXXX lite full doc matrix which allows cash outs at 80% ltv. - Seller-09/09/2025 <br> Ready for Review-Document Uploaded. Please note that the subject loan was underwritten using the 12 month Personal Bank statement income verification type. Per the attached XXXX matrix, dated XXXX, the income eligibility for Personal or Business Bank statements is based on the XXXX-Full Doc Matrix (see page 5 in red). As such, the 80% LTV meets the requirements. - Seller-09/04/2025 | Resolved-After further review, the approved matrix has been updated. Max LTV is 80%. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 784<br>Months Reserves exceed minimum required - 21 mths reserves; 3 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5392345 |
| XXXX | XXXX | 304817024 D A C | Closed | FPRO1253 | 2025-09-03 10:16 | 2025-09-08 09:59 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br>Open-Missing Secondary Valuation - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 784<br>Months Reserves exceed minimum required - 21 mths reserves; 3 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5392417 |
| XXXX | XXXX | 304819834 C B A | Closed | FCRE8201 | 2025-09-01 17:58 | 2025-09-02 12:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow Borrower not owning a primary residence for 12 months, Non-material waiver applied with comp factors. non-material due to FICo and payment history. - Due Diligence Vendor-09/02/2025 <br>Open-Loan does not conform to program guidelines due to / exception request to - allow First time Investor without meeting [ FTI ] requirements. Borrower is a First Time Investor currently owns his primary residence less than 1 year & does not have 12-month mortgage history.<br> Loan exception request / approval provided on file. - Due Diligence Vendor-09/01/2025 |  | Waived-Originator exception granted to allow Borrower not owning a primary residence for 12 months, Non-material waiver applied with comp factors. non-material due to FICo and payment history. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 754. Minimum 640 FICO required.<br>Credit history exceeds minimum required - 0x30x12 | 754 FICO 20 points over max<br> 24 month housing history 0x30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5373960 |
| XXXX | XXXX | 304825213 C A | Closed | FCRE1254 | 2025-09-03 11:45 | 2025-09-04 14:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received operating agreement confirming borrower is sole member. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see attached LLC Operating Agreement reflecting borrower as sole owner. - Seller-09/03/2025 <br> Open-Property Title Issue Title is currently held in "XXXX" and Purposed insured is "XXXX". <br> No evidence of who owns the Unlimited Property Management company. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please see attached LLC Operating Agreement reflecting borrower as sole owner. - Seller-09/03/2025<br>| Resolved-Received operating agreement confirming borrower is sole member. - Due Diligence Vendor-09/04/2025<br>| Qualifying DTI below maximum allowed - DTI of 40.89% is less than the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 13.43 months exceeds the minimum required of 9 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5395479 |
| XXXX | XXXX | 304825154 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825197 D B C A | Closed | FPRO1242 | 2025-09-04 10:35 | 2025-11-25 15:24 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraiser comments received. Kitchen contains electric hookup behind stove. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Appraiser already acknowledged in comments that stove hookup was present. Please clear finding or escalate to mgmt. - Seller-09/26/2025 <br> Counter-Comments from XXXX were provided; however, the comments did not address that there were no kitchen appliances in Unit B-S. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached comments from XXXX. Please waived this finding. - Seller-09/24/2025 <br> Counter-Received appraisal-subject missing the following for eligibility: 1. Unit B S-notice on door that is not legible, no appliances, no bedroom photo, burns on walls-near electrical in kitchen. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br> Open-Appraisal is Missing Missing appraisal narrative for 5-10 unit property. - Due Diligence Vendor-09/04/2025 | Ready for Review-Appraiser already acknowledged in comments that stove hookup was present. Please clear finding or escalate to mgmt. - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached comments from XXXX. Please waived this finding. - Seller-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 | Resolved-Appraiser comments received. Kitchen contains electric hookup behind stove. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 776 vs program min of 720<br>Months Reserves exceed minimum required - Reserves are 25 mo's vs program min required of 6 mo's. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5408940 |
| XXXX | XXXX | 304825197 D B C A | Closed | FCRE0104 | 2025-09-04 10:20 | 2025-09-18 17:24 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Upon further review, subject closed in the name of a business. Business purpose loan. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-I strongly disagree. Per 5.9 Pre-payment penalty (Investment property) - Pre-payment penalties are not allowed on loans vested to individuals in XXXX and XXXX. As stated earlier- subject property is vested on an LLC and not to an individual. It is the vesting that matters. Pease clear this finding. - Seller-09/16/2025 <br> Counter-Note is in individuals name-prepayment penalty is not allowed-finding remains. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Disagree. Subject property is vested to XXXX and not on an individual. Please clear this finding. - Seller-09/04/2025 <br> Open-Prepayment Penalty is not allowed. XXXX prepay not allowed on individual for interest rate over 8%. Note rate 9.998% - Due Diligence Vendor-09/04/2025 | Ready for Review-I strongly disagree. Per 5.9 Pre-payment penalty (Investment property) - Pre-payment penalties are not allowed on loans vested to individuals in XXXXand XXXX. As stated earlier- subject property is vested on an LLC and not to an individual. It is the vesting that matters. Pease clear this finding. - Seller-09/16/2025 <br> Ready for Review-Disagree. Subject property is vested to XXXX and not on an individual. Please clear this finding. - Seller-09/04/2025 | Resolved-Upon further review, subject closed in the name of a business. Business purpose loan. - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 776 vs program min of 720<br>Months Reserves exceed minimum required - Reserves are 25 mo's vs program min required of 6 mo's. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5408571 |
| XXXX | XXXX | 304825197 D B C A | Closed | FCRE2244 | 2025-09-08 16:43 | 2025-09-18 17:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver for > 2 vacancies, applied to non material finding with comp factors - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please attached exception for 4 vacant units. - Seller-09/16/2025 <br>Open-\*New\* Vacant units exceeds 2 allowed per 9.1 of guidelines. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please attached exception for 4 vacant units. - Seller-09/16/2025<br>| Waived-Originator provided a waiver for > 2 vacancies, applied to non material finding with comp factors - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 776 vs program min of 720<br>Months Reserves exceed minimum required - Reserves are 25 mo's vs program min required of 6 mo's. | DSCR ratio over 1.2<br> fico is over 20+ points higher than min required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5456972 |
| XXXX | XXXX | 304825197 D B C A | Closed | FCRE1232 | 2025-09-04 10:43 | 2025-09-08 16:48 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. Page 11 of 62 shows monthly rent schedule. - Seller-09/04/2025 <br>Open-The Calculated DSCR of '0' is less than the minimum DSCR per lender guidelines of '1'. Missing appraisal narrative to confirm DSCR - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Please see attached. Page 11 of 62 shows monthly rent schedule. - Seller-09/04/2025<br>| Resolved-The Calculated DSCR is equal to or exceeds the minimum DSCR per lender guidelines or Not Applicable. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 776 vs program min of 720<br>Months Reserves exceed minimum required - Reserves are 25 mo's vs program min required of 6 mo's. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5409151 |
| XXXX | XXXX | 304825208 D A | Closed | FCRE1728 | 2025-09-04 10:48 | 2025-09-08 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Upon further review, the loan file contained all required collateral documentation. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Disagree, Loan is not using rents to qualify and NON QM Lender guidelines does not require a 1007 on purchase of subject investment when qualifying without any rents. - Seller-09/04/2025 <br>Open-Missing rent comparable schedule form 1007 - Due Diligence Vendor-09/04/2025 | Ready for Review-Disagree, Loan is not using rents to qualify and NON QM Lender guidelines does not require a 1007 on purchase of subject investment when qualifying without any rents. - Seller-09/04/2025<br>| Resolved-Upon further review, the loan file contained all required collateral documentation. - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 39.7%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 733 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5409311 |
| XXXX | XXXX | 304819794 C B A | Closed | FCRE8201 | 2025-09-09 14:57 | 2025-09-09 14:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non material finding with compensating factors. Exception to not apply FTHB overlays. - Due Diligence Vendor-09/09/2025 <br>Open-The borrower is a FTHB with no housing history, overlays limit LTV. - Due Diligence Vendor-09/09/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. Exception to not apply FTHB overlays. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Verified assets of 13.02 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 14.93% is less than the maximum allowed per guidelines of 50% | XXXX monthly residual<br> 14.93% DTI<br> 723 fico<br> 13 months of reserves. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5471434 |
| XXXX | XXXX | 304819794 C B A | Closed | FCRE1194 | 2025-09-05 10:39 | 2025-09-09 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Max LTV is 90% with no FTHB overlays. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Open-Audited LTV of 90% exceeds Guideline LTV of 80% FTHB no rental history - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Max LTV is 90% with no FTHB overlays. - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Verified assets of 13.02 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 14.93% is less than the maximum allowed per guidelines of 50% | 13 months reserves (12 required)<br> 723 FICO (720 required)<br> No mortgage lates (does not apply, borrower is FTHB with no housing history) | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5426239 |
| XXXX | XXXX | 304819794 C B A | Closed | FCRE1199 | 2025-09-05 08:47 | 2025-09-05 10:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow loan amount overage. Non-material waiver applied with comp factors. Deemed non-material due to only XXXX over max allowed - Due Diligence Vendor-09/05/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX - Due Diligence Vendor-09/05/2025 |  | Waived-Originator exception granted to allow loan amount overage. Non-material waiver applied with comp factors. Deemed non-material due to only XXXX over max allowed - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - Verified assets of 13.02 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 14.93% is less than the maximum allowed per guidelines of 50% | 13 months reserves (12 required)<br> 723 FICO (720 required)<br> No mortgage lates (does not apply, borrower is FTHB with no housing history) |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5424349 |
| XXXX | XXXX | 304825152 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304819838 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304817036 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825180 C B A | Closed | FCRE1148 | 2025-09-05 10:21 | 2025-09-11 17:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received commitment with sufficient coverage. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/09/2025 <br>Counter-Title coverage covers 1st lien only-confirmation from escrow 2nd lien was completed by another title company or confirmation of sufficient coverage required. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/08/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title coverage for the 2nd mortgage. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/08/2025<br>| Resolved-Received commitment with sufficient coverage. - Due Diligence Vendor-09/11/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 18.92%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 728 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5425902 |
| XXXX | XXXX | 304825180 C B A | Closed | FCRE1195 | 2025-09-05 11:42 | 2025-09-05 12:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow CLTV > 80%, Non-material waiver applied with comp factors. non-material due to no mortgage lates in the last 24 months. - Due Diligence Vendor-09/05/2025 <br>Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% Lender Exception Granted: Approved to proceed with 85% CLTV (piggy back simul 2nd), to help w. down payment. - Due Diligence Vendor-09/05/2025 |  | Waived-Originator exception granted to allow CLTV > 80%, Non-material waiver applied with comp factors. non-material due to no mortgage lates in the last 24 months. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 18.92%<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 728 | 1. DTI 5% below max<br> 2. no mortgage lates 24 months<br> 3. FICO 20 points above max<br> 4. 5 yrs SE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5428863 |
| XXXX | XXXX | 304825196 D A | Closed | FPRO1253 | 2025-09-08 12:25 | 2025-09-11 09:43 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br>Open-Missing second valuation for subject property. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/11/2025<br>| LTV is less than guideline maximum - LTV of 73.97% is below the maximum of 80% allowed per guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 728 which exceeds the minimum of 640 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5450929 |
| XXXX | XXXX | 304825223 C B A | Closed | FCRE2244 | 2025-09-09 13:17 | 2025-09-25 16:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver for use of STRO in lieu of 1007 for STR, applied to non material finding with comp factors - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Counter-Received STR Pro-missing XXXX and 1007 meeting the requirements of guidelines 3.2. finding remains. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025 <br> Open-Property Issues are identified for the property Missing the 1007 and the XXXX Report for qualifying rental income for the subject. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025<br>| Waived-Originator provided a waiver for use of STRO in lieu of 1007 for STR, applied to non material finding with comp factors - Due Diligence Vendor-09/25/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrower's DSCR % 3.917.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 746 | Residence history >4 years verified<br> FICO 746 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5469221 |
| XXXX | XXXX | 304825223 C B A | Closed | FCRE1248 | 2025-09-09 13:17 | 2025-09-12 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Upon further review, the loan file contained all required arm's length documentation. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. invalid finding Non-Arm's Length Transactions, please clear - Seller-09/10/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Missing the appraiser's commentary by the appraisal for short term rental comps that support the XXXX figures. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. invalid finding Non-Arm's Length Transactions, please clear - Seller-09/10/2025<br>| Resolved-Upon further review, the loan file contained all required arm's length documentation. - Due Diligence Vendor-09/12/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrower's DSCR % 3.917.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 746 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5469220 |
| XXXX | XXXX | 304819832 D A | Closed | FCRE1333 | 2025-09-10 09:59 | 2025-09-26 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-The most recent bank statements were provided with deposits from XXXX, which met the 1099 guidelines. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Please waive the invalid finding pertaining to requesting a WVOE for B1's XXXX biz.<br> B1's secondary business for XXXX was qualified under the 1099 program, which has specific requirements outlined.<br> • Permitted for individual(s) earning 100% commission or independent contractors<br> • 1- or 2-year 1099s or IRS 1099 transcripts permitted<br> • Recent two months of bank statements or check stubs to support deposits<br> • Year-to-date earnings must be within 10% of prior year<br>This program is specifically designed for independent contractors/commissioned borrowers qualifying on 1099 income, not W-2 wages. The guideline above outlines the required documentation for income verification, which includes the 1099s, bank statements supporting deposits. It does not require a traditional third-party verbal VOE. For 1099 borrowers, the program uses the 1099s and bank statements to document income and business activity. All required documentation per the Alt Doc 1099 guidelines was provided and validated. Accordingly, we request that this defect be removed and cleared.<br> - Seller-09/24/2025 <br> Counter-Employment Length is sufficient, however we are missing third party verification of XXXX - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Lender notes borrower's minimum 2 year employment history has been documented and supported. Also, please see section 5 of NON QM guide shows, Second/Part-time jobs may be used with no minimum employment history - Seller-09/20/2025 <br> Counter-Received VVOE for XXXX-missing VOE from XXXX. Finding remains. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see page 917 of initial package, also attached anew - Seller-09/10/2025 <br> Open-Borrower 1 WVOE Missing Missing confirmation for B1 how long he has been with XXXX. - Due Diligence Vendor-09/10/2025 | Ready for Review-Please waive the invalid finding pertaining to requesting a WVOE for B1's XXXX biz.<br> B1's secondary business for XXXX was qualified under the 1099 program, which has specific requirements outlined.<br> • Permitted for individual(s) earning 100% commission or independent contractors<br> • 1- or 2-year 1099s or IRS 1099 transcripts permitted<br> • Recent two months of bank statements or check stubs to support deposits<br> • Year-to-date earnings must be within 10% of prior year<br>This program is specifically designed for independent contractors/commissioned borrowers qualifying on 1099 income, not W-2 wages. The guideline above outlines the required documentation for income verification, which includes the 1099s, bank statements supporting deposits. It does not require a traditional third-party verbal VOE. For 1099 borrowers, the program uses the 1099s and bank statements to document income and business activity. All required documentation per the Alt Doc 1099 guidelines was provided and validated. Accordingly, we request that this defect be removed and cleared.<br> - Seller-09/24/2025 <br> Ready for Review-Lender notes borrower's minimum 2 year employment history has been documented and supported. Also, please see section 5 of NON QM guide shows, Second/Part-time jobs may be used with no minimum employment history - Seller-09/20/2025 <br> Ready for Review-Document Uploaded. Please see page 917 of initial package, also attached anew - Seller-09/10/2025 | Resolved-The most recent bank statements were provided with deposits from XXXX, which met the 1099 guidelines. - Due Diligence Vendor-09/26/2025 | Months Reserves exceed minimum required - 0 mths reserves req'd--- Borrowers have 9.07 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720--- Borrowers FICO 754 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5480894 |
| XXXX | XXXX | 304819832 D A | Closed | FCRE1491 | 2025-09-10 09:44 | 2025-09-12 09:17 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received title receipt for gift funds. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see pages 1158 – 1161 of initial upload, also attached anew - Seller-09/10/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof that the XXXX Gift was given at Escrow. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see pages 1158 – 1161 of initial upload, also attached anew - Seller-09/10/2025<br>| Resolved-Received title receipt for gift funds. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - 0 mths reserves req'd--- Borrowers have 9.07 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720--- Borrowers FICO 754 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5480622 |
| XXXX | XXXX | 304825222 C B A | Closed | FCRE0177 | 2025-09-10 08:13 | 2025-11-25 15:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing Third Party Market Rent Source | Waived-Originator provided a waiver for STR purchase applied to non material finding with comp factors - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Counter-Guidelines require the lower of the 1007 or expected revenue. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-this is duplicate defect, please remove - Seller-09/20/2025 <br>Counter-STRpro provided. Please provide the 1007 as required by the guidelines or exception approval. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025 <br>Open-Missing Third Party Market Rent Source - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Ready for Review-this is duplicate defect, please remove - Seller-09/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025<br>| Waived-Originator provided a waiver for STR purchase applied to non material finding with comp factors - Due Diligence Vendor-09/25/2025<br>| DSCR % greater than 1.20 - DSCR % > 1.20 --- Borrower's DSCR % is 1.536 <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 746 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5479361 |
| XXXX | XXXX | 304825222 C B A | Closed | FCRE2244 | 2025-09-09 15:35 | 2025-11-25 15:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver to use STR, applied to non material finding with comp factors - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Counter-STRpro provided. Please provide the 1007 as required by the guidelines or exception approval. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/10/2025 <br>Open-Property Issues are identified for the property Missing the 1007 &/ or exception to use the STR Pro report to calculate the DSCR Income. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/10/2025<br>| Waived-Originator provided a waiver to use STR, applied to non material finding with comp factors - Due Diligence Vendor-09/25/2025<br>| DSCR % greater than 1.20 - DSCR % > 1.20 --- Borrower's DSCR % is 1.536 <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 746 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 5472240 |
| XXXX | XXXX | 304825222 C B A | Closed | FCRE6618 | 2025-09-10 08:18 | 2025-09-12 14:24 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Upon further review, 1003 is sufficient for DSCR. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Disagree, Not valid - Borrowers are only qualified using the Debt Service Coverage Ratio (DSCR), Other liabilities are not required. - Seller-09/10/2025 <br> Open-Missing the Final 1003 with all the new loans with XXXX reflected. - Due Diligence Vendor-09/10/2025 | Ready for Review-Disagree, Not valid - Borrowers are only qualified using the Debt Service Coverage Ratio (DSCR), Other liabilities are not required. - Seller-09/10/2025<br>| Resolved-Upon further review, 1003 is sufficient for DSCR. - Due Diligence Vendor-09/12/2025<br>| DSCR % greater than 1.20 - DSCR % > 1.20 --- Borrower's DSCR % is 1.536 <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 746 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5479424 |
| XXXX | XXXX | 304819817 C A | Closed | FPRO1257 | 2025-09-09 21:48 | 2025-09-12 15:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/10/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - 19.42 months reserves; <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 743; guidelines require 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5477242 |
| XXXX | XXXX | 304813609 D A | Closed | FCRE5782 | 2025-09-02 11:56 | 2025-09-03 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Uploaded Gap Credit Report (UDN) - Seller-09/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Uploaded Gap Credit Report (UDN) - Seller-09/02/2025<br>| Resolved-Received gap report. - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - > 18 months available vs. 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 793 vs. 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5380218 |
| XXXX | XXXX | 304825149 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825157 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304825219 C B A | Closed | FCRE0025 | 2025-09-10 05:13 | 2025-10-16 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Waived-Originator waiver applied to non material finding. Letter of explanation from borrower confirms insurance is handling the litigation, insurance policy provided confirming liability insurance. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached Hazard Insurance for XXXX. and legal team doc. - Seller-09/29/2025 <br> Counter-Please provide legal documentation reflecting XXXX and affiliated parties is fully insured, and the matter is being managed by the insurance company and its legal team. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-XXXX and affiliated parties is fully insured, and the matter is being managed by the insurance company and its legal team. To date, the insurance provider has made a XXXX settlement offer which the plaintiff has until XXXX, to respond to. - Seller-09/17/2025 <br> Counter-Received LOE regarding lawsuit-missing verification the suit has settled and resolved. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE - Litigation. - Seller-09/11/2025 <br> Open-Borrower is party to a lawsuit according to the 1003 declarations. Docs on file indicate possible litigation involving borrower (Pg 308-no additional court or legal docs, case #'s, etc provided) There was no evidence to indicate the matter was resolved. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached Hazard Insurance for XXXX. and legal team doc. - Seller-09/29/2025 <br> Ready for Review-XXXX and affiliated parties is fully insured, and the matter is being managed by the insurance company and its legal team. To date, the insurance provider has made a XXXX settlement offer which the plaintiff has until XXXX, to respond to. - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE - Litigation. - Seller-09/11/2025 | Waived-Originator waiver applied to non material finding. Letter of explanation from borrower confirms insurance is handling the litigation, insurance policy provided confirming liability insurance. - Due Diligence Vendor-10/16/2025<br>| DSCR % greater than 1.20 - DSCR 1.285<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 725 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5478318 |
| XXXX | XXXX | 304825219 C B A | Closed | FCRE1194 | 2025-09-10 15:38 | 2025-09-10 16:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/10/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception on file "Seeking exception to proceed at 80% LTV rate/term utilizing STR with Mod 22 months ago" - Due Diligence Vendor-09/10/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/10/2025<br>| DSCR % greater than 1.20 - DSCR 1.285<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 725 | 0x30x24<br> payment being reduced by 10% +<br> Qualifying FICO score 20+ points above min |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5490195 |
| XXXX | XXXX | 304813513 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304825199 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825231 B A | Closed | FPRO0022 | 2025-09-12 12:27 | 2025-11-25 15:59 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Public only - Due Diligence Vendor-09/15/2025 <br> Open-XXXX disaster after appraisal without a Public PDI or 1004D. XXXX event occurred after appraisal (6/12) completed from XXXX - Due Diligence Vendor-09/12/2025 |  | Waived-Public only - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 704<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.10 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5518032 |
| XXXX | XXXX | 304825231 B A | Closed | FCRE1198 | 2025-09-12 15:39 | 2025-09-12 15:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 0.09 month(s) are less than Guideline Required Reserves of 6 month(s) Originator Waiver applied to non-material finding - Approved Lender Exception: "seeking exception to use 3.0 guidelines which waives reserves for r/t with P&I reduction greater than 10%" - Due Diligence Vendor-09/12/2025 |  | Waived-Audited Reserves of 0.09 month(s) are less than Guideline Required Reserves of 6 month(s) Originator Waiver applied to non-material finding - Approved Lender Exception: "seeking exception to use 3.0 guidelines which waives reserves for r/t with P&I reduction greater than 10%" - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 704<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.10 | 1. Mortgage History – 0x30x24<br> 2. FICO 20 points or more above requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5522012 |
| XXXX | XXXX | 304825231 B A | Closed | FCRE1437 | 2025-09-12 15:41 | 2025-09-12 15:50 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Originator Waiver Applied to Non-Material Finding - Approved Lender Exception: "SEEKING EXCEPTION TO USE NEW GUIDES TO USE 1 SOURCE FOR THE DSCR RATIO FOR STR - APPRAISAL 1007" - Due Diligence Vendor-09/12/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Originator Waiver Applied to Non-Material Finding - Approved Lender Exception: "SEEKING EXCEPTION TO USE NEW GUIDES TO USE 1 SOURCE FOR THE DSCR RATIO FOR STR - APPRAISAL 1007" - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 704<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.10 | 1. Mortgage History – 0x30x24<br> 2. FICO 20 points or more above requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5522055 |
| XXXX | XXXX | 304825211 D A | Closed | FCRE1148 | 2025-09-12 16:15 | 2025-09-17 10:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received supplement w/sufficient coverage. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing proof of sufficient Title Coverage for the subject. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025<br>| Resolved-Received supplement w/sufficient coverage. - Due Diligence Vendor-09/17/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage payments exceeds guideline requirements--- Current and closed mortgages show timely payments for over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 778 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5522733 |
| XXXX | XXXX | 304825211 D A | Closed | FCRE7497 | 2025-09-12 17:26 | 2025-09-17 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025 <br>Open-Missing the current mortgage statement for property 3e. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025<br>| Resolved-Received PITIA - Due Diligence Vendor-09/17/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage payments exceeds guideline requirements--- Current and closed mortgages show timely payments for over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 778 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5523572 |
| XXXX | XXXX | 304825211 D A | Closed | FCRE7806 | 2025-09-12 16:38 | 2025-09-17 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Income Worksheet. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Lender's Income Calculation Worksheet - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025<br>| Resolved-Received Income Worksheet. - Due Diligence Vendor-09/17/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage payments exceeds guideline requirements--- Current and closed mortgages show timely payments for over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 778 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5523028 |
| XXXX | XXXX | 304843230 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304825164 D A | Closed | FCRE1440 | 2025-09-15 09:45 | 2025-09-23 16:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the tradeline is not against the subject and has been included in the DTI. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please escalate to supervisor, the loan is not a mortgage and is already accounted for in qualifying ratios - Seller-09/20/2025 <br> Counter-Credit Report reflects a Home Improvement loan. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Disagree this is an installment personal loan, not a mortgage. - Seller-09/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements What property is XXXX held against? - Due Diligence Vendor-09/15/2025 | Ready for Review-Please escalate to supervisor, the loan is not a mortgage and is already accounted for in qualifying ratios - Seller-09/20/2025 <br>Ready for Review-Disagree this is an installment personal loan, not a mortgage. - Seller-09/15/2025<br>| Resolved-Upon further review, the tradeline is not against the subject and has been included in the DTI. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 9 mths- Borrower has 20.85 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 15% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5533770 |
| XXXX | XXXX | 304825164 D A | Closed | FCRE1316 | 2025-09-15 08:50 | 2025-09-17 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Per lender, removed income for XXXX - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Disagree XXXX Income is not required/ not used to qualify - Seller-09/15/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing updated VVOE for employment with XXXX. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Disagree XXXX Income is not required/ not used to qualify - Seller-09/15/2025 | Resolved-Per lender, removed income for XXXX - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - Min reserves req'd 9 mths- Borrower has 20.85 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 15% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5532918 |
| XXXX | XXXX | 304825164 D A | Closed | FCRE6618 | 2025-09-17 09:13 | 2025-09-17 09:18 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Documents were provided and 1003 reflects information requested- updated this information in system. Condition resolved - Due Diligence Vendor-09/17/2025 <br> Open-Final 1003 for XXXX, the borrower's position, start date and how long in this line of work. Must reflect required time verified. Upon receipt, additional condition maybe required. - Due Diligence Vendor-09/17/2025 |  | Resolved-Documents were provided and 1003 reflects information requested- updated this information in system. Condition resolved - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 9 mths- Borrower has 20.85 mths in reserves <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 15% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5566174 |
| XXXX | XXXX | 304843200 C A | Closed | FCRE1510 | 2025-09-13 05:52 | 2025-09-26 12:58 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with legal description. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached Correct DOT with legal - Seller-09/24/2025 <br> Counter-Mortgage provide is not for the subject loan. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached, Thank you - Seller-09/20/2025 <br> Counter-Review is unable to open attachment dated XXXX-please re upload. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/16/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. Please see attached Correct DOT with legal - Seller-09/24/2025 <br>Ready for Review-Document Uploaded. Please see attached, Thank you - Seller-09/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/16/2025<br>| Resolved-Received Deed of Trust with legal description. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 774 <br>Months Reserves exceed minimum required - 0 mths resrves req'd-- Borrower has 9.01 mths in reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5526860 |
| XXXX | XXXX | 304843235 C A | Closed | FCRE1159 | 2025-09-13 12:18 | 2025-09-17 11:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/15/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX HOI is dated after disbursement date of XXXX - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/15/2025<br>| Resolved-Received prior policy - Due Diligence Vendor-09/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 vs program min required of 700<br>Qualifying DTI below maximum allowed - DTI is 38% with max allowed to 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5528086 |
| XXXX | XXXX | 304843235 C A | Closed | FCRE1198 | 2025-09-14 10:33 | 2025-09-17 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received CD for the Cash Out refi for the Primary Residence. Audited Reserves of 25.93 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD from property XXXX. with cash out proceeds in the amount of XXXX. - Seller-09/15/2025 <br> Open-Audited Reserves of 1.6 month(s) are less than Guideline Required Reserves of 6 month(s) Missing XXXX statement as noted on 1003 - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please see attached Final CD from property XXXX. with cash out proceeds in the amount of XXXX. - Seller-09/15/2025 | Resolved-Received CD for the Cash Out refi for the Primary Residence. Audited Reserves of 25.93 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-09/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 725 vs program min required of 700<br>Qualifying DTI below maximum allowed - DTI is 38% with max allowed to 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5529722 |
| XXXX | XXXX | 304843148 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304843201 D A | Closed | FCRE2244 | 2025-09-17 09:44 | 2025-09-23 17:03 | Resolved | 1 - Information B A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Although the boxes are checked for both stable and increasing, the appraiser confirms int he body of the report that the values appear t be stable. The review appraiser also confirms the values are stable on the CDA. - Due Diligence Vendor-09/23/2025 <br>Counter-Please provide a Revised Appraisal. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-We respectfully disagree. The selection of both Stable and Increasing does not have a negative impact on the value of the subject. The noted issue is immaterial and in fact, stable and increasing values are a positive factor for the overall value off the subject property. - Seller-09/19/2025 <br>Open-Property Issues are identified for the property Appraiser to mark off one of the boxes for "Property Values", are they Increasing or Stable (since both are marked off). - Due Diligence Vendor-09/17/2025 | Ready for Review-We respectfully disagree. The selection of both Stable and Increasing does not have a negative impact on the value of the subject. The noted issue is immaterial and in fact, stable and increasing values are a positive factor for the overall value off the subject property. - Seller-09/19/2025<br>| Resolved-Although the boxes are checked for both stable and increasing, the appraiser confirms int he body of the report that the values appear t be stable. The review appraiser also confirms the values are stable on the CDA. - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - 72.33% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680-- Borrower's FICO 743 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5566624 |
| XXXX | XXXX | 304843201 D A | Closed | FCRE1347 | 2025-09-17 08:59 | 2025-09-23 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing 1. Missing the signed VVOE. Version provided not signed.<br> 2. VVOE does not coincide with 1003 confirming 2 years of employment for B2, as the VVOE only verified employment since XXXX. 1003 shows start date in XXXX. If VVOE is accurate an updated 1003 is required showing two year history. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025<br>| Resolved-Received VVOE - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - 72.33% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680-- Borrower's FICO 743 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5565935 |
| XXXX | XXXX | 304843201 D A | Closed | FCRE1336 | 2025-09-17 10:49 | 2025-09-23 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Per Lender, removed the income. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached updated 1003 and 1008 removing the other income. - Seller-09/19/2025 <br> Open-Borrower 1 Award Letter Missing Missing source of "other" income showing on 1003 for XXXX or this income must be removed. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached updated 1003 and 1008 removing the other income. - Seller-09/19/2025<br>| Resolved-Per Lender, removed the income. - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - 72.33% < 80% max<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680-- Borrower's FICO 743 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5568136 |
| XXXX | XXXX | 304843269 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304843192 D B A | Closed | FCRE1483 | 2025-09-17 14:44 | 2025-09-19 15:11 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Gift Letter for XXXX and receipt of funds provided. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. The XXXX gift was received from donor, XXXX, as per the attached gift letter delivered with the loan file. Please refer to page 91. - Seller-09/17/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Missing Additional Gift Letter for XXXX, Receipt of funds on file. Final 1003 shows XXXX Gift, Receipt on file shows from "XXXX" - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. The XXXX gift was received from donor, XXXX, as per the attached gift letter delivered with the loan file. Please refer to page 91. - Seller-09/17/2025 | Resolved-Gift Letter for XXXX and receipt of funds provided. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+20k) |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5574320 |
| XXXX | XXXX | 304843192 D B A | Closed | FCRE1157 | 2025-09-17 13:46 | 2025-09-19 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025 <br>Open-Missing Hazard Insurance Policy Missing HOI Docs - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+20k) |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5572942 |
| XXXX | XXXX | 304843192 D B A | Closed | FCRE1198 | 2025-09-17 15:06 | 2025-09-17 15:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow < 12 months reserves, Non-material waiver applied with comp factors. non-material due to 10 years on the job - Due Diligence Vendor-09/17/2025 <br>Open-Audited Reserves of 7.28 month(s) are less than Guideline Required Reserves of 12 month(s) Borrower short reserves - Due Diligence Vendor-09/17/2025 |  | Waived-Originator exception granted to allow < 12 months reserves, Non-material waiver applied with comp factors. non-material due to 10 years on the job - Due Diligence Vendor-09/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+20k) | -fico 20 points above minimum<br> -10 years same job<br> - dti 5% below max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5574828 |
| XXXX | XXXX | 304843143 C B A | Closed | FCRE1440 | 2025-09-18 08:42 | 2025-09-22 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. Missing XXXX, however 1x30 is allowed. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 170-179 and attached herein. - Seller-09/19/2025 <br> Counter-Received lease agreement-review is unable to locate 12 months proof of payment. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing lease agreement to verify the rent payments. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 170-179 and attached herein. - Seller-09/19/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/18/2025<br>| Resolved-Received payment history. Missing XXXX, however 1x30 is allowed. - Due Diligence Vendor-09/22/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13.5k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5582447 |
| XXXX | XXXX | 304843143 C B A | Closed | FCRE1198 | 2025-09-18 08:45 | 2025-09-18 08:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow < 12 months reserves, Non-material waiver applied with comp factors. non-material due to excellent credit. - Due Diligence Vendor-09/18/2025 <br>Open-Audited Reserves of 8.14 month(s) are less than Guideline Required Reserves of 12 month(s) Borrower does not have sufficient assets to cover reserve requirement. - Due Diligence Vendor-09/18/2025 |  | Waived-Originator exception granted to allow < 12 months reserves, Non-material waiver applied with comp factors. non-material due to excellent credit. - Due Diligence Vendor-09/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13.5k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5582492 |
| XXXX | XXXX | 304843143 C B A | Closed | FCRE1193 | 2025-09-18 08:09 | 2025-09-18 08:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator exception granted to allow first time home buyer DTI > 45%, Non-material waiver applied with comp factors. non-material due to Excellent credit. - Due Diligence Vendor-09/18/2025 <br>Open-Audited DTI of 48.4% exceeds Guideline DTI of 45% Approved Lender Exception on file. "Allow dti over 45 for FTHB" - Due Diligence Vendor-09/18/2025 |  | Waived-Originator exception granted to allow first time home buyer DTI > 45%, Non-material waiver applied with comp factors. non-material due to Excellent credit. - Due Diligence Vendor-09/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13.5k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769 | 769 FICO (20 points above requirement)<br> Greater than $3500 in residual income. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5582075 |
| XXXX | XXXX | 304843143 C B A | Closed | FCRE1491 | 2025-09-18 08:02 | 2025-09-18 08:47 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-09/18/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Approved Lender Exception on file. Exception "To use 7 months reserves instead of 12." - Due Diligence Vendor-09/18/2025 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-09/18/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13.5k)<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 769 | 769 (Over 20 points above requirement)<br> Greater than $3500 in residual income. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5581977 |
| XXXX | XXXX | 304843190 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304866872 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304843188 C A | Closed | finding-3617 | 2025-09-19 09:36 | 2025-09-23 10:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. PCCD was provided XXXX. loan disbursed XXXX - Seller-09/22/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. PCCD was provided XXXX. loan disbursed XXXX - Seller-09/22/2025 | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/23/2025 | Verified employment history exceeds guidelines - 5 years self employed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 714; minimum score . |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5598637 |
| XXXX | XXXX | 304843188 C A | Closed | FCRE9488 | 2025-09-19 16:15 | 2025-09-19 16:27 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-After further review, letter of motivation is in file - Due Diligence Vendor-09/19/2025 <br>Open-Occupancy not supported, possible investment purchase. No LOE or letter of motivation provided. 1003 shows borrower residing at primary for 7 months yet the REO section shows this same as an investment property. Additionally, the VOR in file shows borrower is still renting at their primary home and lender (as did audit) counted the rent obligation in the DTI. - Due Diligence Vendor-09/19/2025 |  | Resolved-After further review, letter of motivation is in file - Due Diligence Vendor-09/19/2025<br>| Verified employment history exceeds guidelines - 5 years self employed<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 714; minimum score . |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5607295 |
| XXXX | XXXX | 304843270 C B A | Closed | FCRE1197 | 2025-09-21 11:34 | 2025-09-21 16:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-09/21/2025 <br>Open-Audited FICO of 692 is less than Guideline FICO of 700. Credit score does not meet the minimum credit score requirements of 700.<br> Lender Exception Approval with comp factors granted to allow credit score under the minimum required. - Due Diligence Vendor-09/21/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-09/21/2025<br>| Months Reserves exceed minimum required - Borrower has 18.28 months of reserves and only needs 6 months to qualify.<br>Long term residence - Long Term Residence = 20+ years | -0x30x24 mtg rating<br> - ratio >1.10<br> -20+ Yrs at residence |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5611510 |
| XXXX | XXXX | 304843248 D A | Closed | FCRE1194 | 2025-09-21 01:20 | 2025-10-10 10:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Loan switched to XXXX, max LTV is 90%. - Due Diligence Vendor-09/24/2025 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 80% LTV of 90% exceeds the max. allowed per guidelines of 80%. - Due Diligence Vendor-09/21/2025 |  | Resolved-Loan switched to XXXX cake, max LTV is 90%. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - Verified assets of 26.39 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 42.5% is less than the maximum allowed per guidelines of 50% |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5611068 |
| XXXX | XXXX | 304843248 D A | Closed | FCRE1316 | 2025-09-21 02:51 | 2025-10-10 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, the 1099 guides do not require a VOE. - Due Diligence Vendor-10/10/2025 <br> Counter-1099 income documents meets the guidelines requirement, however Guidelines state 1099 is considered self-employed. Verification of employment for self-employed has not been provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-The borrower is an independent contractor. Per guidelines section 7.5 Alt Doc – IRS Form 1099 "Most recent two (2) months bank statements to be provided to show gross deposits consistent with the 1099 or checks/check stub(s) with YTD totals if available". As noted on the 1008 by the UW; "Rec'd two mos bank statements XXXX through XXXX, Deposits - XXXX / XXXX mo avg dep: XXXX - supportive of 1099 income". Accordingly, we request that this defect be cleared. <br> - Seller-10/07/2025 <br> Counter-Employment status must meet guidelines 5.1-if owns 25% or more consider as self employed - Due Diligence Vendor-10/07/2025 <br> Ready for Review-We respectfully disagree as this is a 1099 loan, which does not require a traditional VOE. B1's XXXX business income was qualified under the 1099 program, which has specific requirements outlined.<br> - Permitted for individual(s) earning 100% commission or independent contractors<br> -1- or 2-year 1099s or IRS 1099 transcripts permitted<br> - Recent two months of bank statements or check stubs to support deposits<br> - Year-to-date earnings must be within 10% of prior year<br> This program is specifically designed for independent contractors/commissioned borrowers qualifying on 1099 income, not W-2 wages. The guideline above outlines the required documentation for income verification, which includes the 1099s, bank statements supporting deposits. It does not require a traditional third-party verbal VOE. For 1099 borrowers, the program uses the 1099s and bank statements to document income and business activity. All required documentation per the Alt Doc 1099 guidelines was provided and validated. Accordingly, we request that this defect be removed and cleared. - Seller-10/03/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of employment for borrower as required per guidelines. - Due Diligence Vendor-09/21/2025 | Ready for Review-The borrower is an independent contractor. Per guidelines section 7.5 Alt Doc – IRS Form 1099 "Most recent two (2) months bank statements to be provided to show gross deposits consistent with the 1099 or checks/check stub(s) with YTD totals if available". As noted on the 1008 by the UW; "Rec'd two mos bank statements XXXX through XXXX, Deposits - XXXX, 24 mo avg dep: XXXX - supportive of 1099 income". Accordingly, we request that this defect be cleared. <br> - Seller-10/07/2025 <br> Ready for Review-We respectfully disagree as this is a 1099 loan, which does not require a traditional VOE. B1's XXXX business income was qualified under the 1099 program, which has specific requirements outlined.<br> - Permitted for individual(s) earning 100% commission or independent contractors<br> -1- or 2-year 1099s or IRS 1099 transcripts permitted<br> - Recent two months of bank statements or check stubs to support deposits<br> - Year-to-date earnings must be within 10% of prior year<br> This program is specifically designed for independent contractors/commissioned borrowers qualifying on 1099 income, not W-2 wages. The guideline above outlines the required documentation for income verification, which includes the 1099s, bank statements supporting deposits. It does not require a traditional third-party verbal VOE. For 1099 borrowers, the program uses the 1099s and bank statements to document income and business activity. All required documentation per the Alt Doc 1099 guidelines was provided and validated. Accordingly, we request that this defect be removed and cleared. - Seller-10/03/2025 | Resolved-After further review, the 1099 guides do not require a VOE. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - Verified assets of 26.39 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 42.5% is less than the maximum allowed per guidelines of 50% |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5611102 |
| XXXX | XXXX | 304843248 D A | Closed | FCRE6618 | 2025-09-22 10:38 | 2025-10-07 13:51 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received correct final 1003 - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/03/2025 <br>Open-Question A on Declarations is answered incorrectly - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/03/2025<br>| Resolved-Received correct final 1003 - Due Diligence Vendor-10/07/2025<br>| Months Reserves exceed minimum required - Verified assets of 26.39 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 42.5% is less than the maximum allowed per guidelines of 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5617423 |
| XXXX | XXXX | 304843248 D A | Closed | FCRE1161 | 2025-09-21 00:51 | 2025-09-23 16:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/22/2025 <br>Open-Missing Flood Certificate Missing flood cert for subject property. - Due Diligence Vendor-09/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/22/2025<br>| Resolved-Received flood cert. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Verified assets of 26.39 months exceeds the minimum required of 12 months<br>Qualifying DTI below maximum allowed - DTI of 42.5% is less than the maximum allowed per guidelines of 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5611055 |
| XXXX | XXXX | 304840609 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304843211 D A | Closed | FCRE1158 | 2025-09-24 11:38 | 2025-09-30 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Binder with correct Premium received - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Two policies were provided; however, the one that was paid for and binded at closing was the policy for binder XXXX. Please clear finding. - Seller-09/26/2025 <br> Counter-Document is dated prior to date of HOI in flle, corrected document required with current premium. Finding remains. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Correct HOI policy uploaded - Seller-09/24/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per HOI Dec page premium is XXXX / Lender collected XXXX at closing. - Due Diligence Vendor-09/24/2025 | Ready for Review-Two policies were provided; however, the one that was paid for and binded at closing was the policy for binder XXXX. Please clear finding. - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Correct HOI policy uploaded - Seller-09/24/2025 | Resolved-Binder with correct Premium received - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - 146 months reserves verified, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 769 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5656323 |
| XXXX | XXXX | 304843211 D A | Closed | FCRE1108 | 2025-09-22 08:36 | 2025-09-26 12:27 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Upon futher reveiw,payment calculation is correct. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. mortgage calculator supports PI payment of XXXX - Seller-09/24/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds XXXX) Calculated payment of XXXX, Note reflects XXXX. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. mortgage calculator supports PI payment of XXXX - Seller-09/24/2025 | Resolved-Upon futher reveiw,payment calculation is correct. - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 146 months reserves verified, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 769 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5615296 |
| XXXX | XXXX | 304843137 C A | Closed | FCRE2244 | 2025-09-24 12:39 | 2025-09-29 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained all required property living space. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-XXXX Guide 3.0 10.5 Ineligible Property Types - properties with less than 500 square feet of living space. This guide refers to the total living space and not per unit. Appraisal report shows XXXX. Please waive this finding. - Seller-09/26/2025 <br> Open-Property Issues are identified for the property Ineligible property type-Properties with less than 500 square feet of living space. (2 of the 3 units are less than 500 square feet) - Due Diligence Vendor-09/24/2025 | Ready for Review-XXXX Guide 3.0 10.5 Ineligible Property Types - properties with less than 500 square feet of living space. This guide refers to the total living space and not per unit. Appraisal report shows XXXX. Please waive this finding. - Seller-09/26/2025 | Resolved-Upon further review, the loan file contained all required property living space. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 776 FICO, 660 required<br>Months Reserves exceed minimum required - 107 months reserves documented, 3 months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5657393 |
| XXXX | XXXX | 304840612 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304840569 C B A | Closed | FCRE1193 | 2025-09-30 09:54 | 2025-10-13 12:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver DTI exception, applied to non material finding with comp factors. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-10/09/2025 <br> Counter-Received bank statements from XXXX through XXXX confirming the business pays the mortgage. DTI exceeds guides due to 15% expense factor not being applied. - Due Diligence Vendor-10/08/2025 <br> Counter-Received bank statements, that only document 10 months of payments. XXXX statement pg 22 of stips did not reflect payment and file did not include XXXX to make 12 months proof. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. See uploaded 12 months bank statements. - Seller-10/03/2025 <br> Open-Audited DTI of 51.73% exceeds Guideline DTI of 50% calculated income is lower than origination income. Lender did not include the PITI for the property at XXXX which is secured by the mortgage with XXXX. The mortgage statement reflects that the mortgage is in the name of the business and the borrower. The file contains 10 months verification that the mortgage was paid by the business; however, the guidelines require 12 months verification that the mortgage was paid by the other party. Additionally, the file contains verification that the property taxes were paid by the business, but the file does not contain verification that the insurance was paid by the business. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-10/09/2025 <br>Ready for Review-Document Uploaded. See uploaded 12 months bank statements. - Seller-10/03/2025<br>| Waived-Originator provided a waiver DTI exception, applied to non material finding with comp factors. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 14.34 months reserves. Guidelines require 12 months.<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 51 Months Required = 12 months<br>Credit history exceeds minimum required - Credit History = 239 Months Minimum Credit History = 24 Months | Compensating Factors:Long Term Employment, Long term homeowner, Postclosing reserves > 12 months | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5716449 |
| XXXX | XXXX | 304840569 C B A | Closed | FCRE1500 | 2025-09-30 09:49 | 2025-10-13 12:11 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-12-months bank statements provided confirming the business spays the debt. - Due Diligence Vendor-10/09/2025 <br> Counter-Received bank statements, that only document 10 months of payments. XXXX statement pg 22 of stips did not reflect payment and file did not include XXXX to make 12 months proof. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-See uploaded 12 months bank statements. - Seller-10/03/2025 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio - Due Diligence Vendor-09/30/2025 | Ready for Review-See uploaded 12 months bank statements. - Seller-10/03/2025<br>| Resolved-12-months bank statements provided confirming the business spays the debt. - Due Diligence Vendor-10/09/2025<br>| Months Reserves exceed minimum required - 14.34 months reserves. Guidelines require 12 months.<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 51 Months Required = 12 months<br>Credit history exceeds minimum required - Credit History = 239 Months Minimum Credit History = 24 Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5716345 |
| XXXX | XXXX | 304840569 C B A | Closed | FCRE1506 | 2025-09-30 09:49 | 2025-10-13 12:11 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Exception. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Please see uploaded exception approval. - Seller-10/09/2025 <br> Counter-Received bank statements, that only document 10 months of payments. XXXX statement pg 22 of stips did not reflect payment and file did not include XXXX to make 12 months proof. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-See uploaded 12 months bank statements - Seller-10/03/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI is over 50% - Due Diligence Vendor-09/30/2025 | Ready for Review-Please see uploaded exception approval. - Seller-10/09/2025 <br>Ready for Review-See uploaded 12 months bank statements - Seller-10/03/2025<br>| Resolved-Received Exception. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - 14.34 months reserves. Guidelines require 12 months.<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 51 Months Required = 12 months<br>Credit history exceeds minimum required - Credit History = 239 Months Minimum Credit History = 24 Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5716346 |
| XXXX | XXXX | 304840627 C A | Closed | FCRE1148 | 2025-09-30 11:59 | 2025-10-03 10:52 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title Coverage for the amount of XXXX this is sufficient based on the type of subject lien - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. please see attached for correct Loan policy amount thank u :) - Seller-10/01/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title supplemtn reflects title insurance of XXXX, loan amount is XXXX. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. please see attached for correct Loan policy amount thank u :) - Seller-10/01/2025<br>| Resolved-Received updated Title Coverage for the amount of XXXX this is sufficient based on the type of subject lien - Due Diligence Vendor-10/03/2025 | Qualifying DTI below maximum allowed - Calculated DTI is 33%, maximum allowed is 43%.<br>Months Reserves exceed minimum required - 31.81 veriied months reserves, guidelines require 6 months. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5720295 |

---

## Exhibit 99.09

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.09**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304485171 | XXXX A C |
| XXXX | XXXX | 304495290 | XXXX B A |
| XXXX | XXXX | 304485175 | XXXX C A |
| XXXX | XXXX | 304681900 | XXXX C A B |
| XXXX | XXXX | 304686378 | XXXX C A B |
| XXXX | XXXX | 304702210 | XXXX C A B |
| XXXX | XXXX | 304713633 | XXXX C A B |
| XXXX | XXXX | 304713634 | XXXX D A |
| XXXX | XXXX | 304713639 | XXXX A |
| XXXX | XXXX | 304736032 | XXXX C A B |
| XXXX | XXXX | 304736055 | XXXX D A B |
| XXXX | XXXX | 304736009 | XXXX D A B |
| XXXX | XXXX | 304735997 | XXXX D A |
| XXXX | XXXX | 304736025 | XXXX C A B |
| XXXX | XXXX | 304735991 | XXXX A |
| XXXX | XXXX | 304736001 | XXXX C A |
| XXXX | XXXX | 304736004 | XXXX C A |
| XXXX | XXXX | 304736104 | XXXX C A |
| XXXX | XXXX | 304758112 | XXXX A |
| XXXX | XXXX | 304758084 | XXXX C A |
| XXXX | XXXX | 304758183 | XXXX C A B |
| XXXX | XXXX | 304754682 | XXXX C A D B |
| XXXX | XXXX | 304778039 | XXXX C A B |
| XXXX | XXXX | 304778040 | XXXX C A B |
| XXXX | XXXX | 304763640 | XXXX C A |
| XXXX | XXXX | 304758120 | XXXX C A B |
| XXXX | XXXX | 304817027 | XXXX C A D |
| XXXX | XXXX | 304817030 | XXXX C A |
| XXXX | XXXX | 304817021 | XXXX C A B |
| XXXX | XXXX | 304817039 | XXXX A |
| XXXX | XXXX | 304817043 | XXXX A |
| XXXX | XXXX | 304819805 | XXXX D A |
| XXXX | XXXX | 304816963 | XXXX A |
| XXXX | XXXX | 304816978 | XXXX A |
| XXXX | XXXX | 304819837 | XXXX B A |
| XXXX | XXXX | 304817024 | XXXX C A D |
| XXXX | XXXX | 304819834 | XXXX C A B |
| XXXX | XXXX | 304825213 | XXXX C A |
| XXXX | XXXX | 304825154 | XXXX A |
| XXXX | XXXX | 304825197 | XXXX C A D B |
| XXXX | XXXX | 304825208 | XXXX D A |
| XXXX | XXXX | 304819794 | XXXX C A B |
| XXXX | XXXX | 304825152 | XXXX A |
| XXXX | XXXX | 304819838 | XXXX A |
| XXXX | XXXX | 304817036 | XXXX A |
| XXXX | XXXX | 304825180 | XXXX C A B |
| XXXX | XXXX | 304825196 | XXXX A D |
| XXXX | XXXX | 304825223 | XXXX C A B |
| XXXX | XXXX | 304819832 | XXXX D A |
| XXXX | XXXX | 304825222 | XXXX C A B |
| XXXX | XXXX | 304819817 | XXXX A C |
| XXXX | XXXX | 304813609 | XXXX D A |
| XXXX | XXXX | 304825149 | XXXX A |
| XXXX | XXXX | 304825157 | XXXX A |
| XXXX | XXXX | 304825219 | XXXX C A B |
| XXXX | XXXX | 304813513 | XXXX A |
| XXXX | XXXX | 304825199 | XXXX A |
| XXXX | XXXX | 304825231 | XXXX B A |
| XXXX | XXXX | 304825211 | XXXX D A |
| XXXX | XXXX | 304843230 | XXXX A |
| XXXX | XXXX | 304825164 | XXXX D A |
| XXXX | XXXX | 304843200 | XXXX C A |
| XXXX | XXXX | 304843235 | XXXX C A |
| XXXX | XXXX | 304843148 | XXXX A |
| XXXX | XXXX | 304843201 | XXXX D A |
| XXXX | XXXX | 304843269 | XXXX A |
| XXXX | XXXX | 304843192 | XXXX D A B |
| XXXX | XXXX | 304843143 | XXXX C A B |
| XXXX | XXXX | 304843190 | XXXX A |
| XXXX | XXXX | 304866872 | XXXX A |
| XXXX | XXXX | 304843188 | XXXX C A |
| XXXX | XXXX | 304843270 | XXXX C A B |
| XXXX | XXXX | 304843248 | XXXX D A |
| XXXX | XXXX | 304840609 | XXXX A |
| XXXX | XXXX | 304843211 | XXXX D A |
| XXXX | XXXX | 304843137 | XXXX C A |
| XXXX | XXXX | 304840612 | XXXX A |
| XXXX | XXXX | 304840569 | XXXX C A B |
| XXXX | XXXX | 304840627 | XXXX C A |

---

## Exhibit 99.10

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304485171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.96 | 69.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 304495290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0100 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0100 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304485175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 46.81 | 46.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | XXXX | 304681900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.47 | 30.47 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 304686378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .3208 | Broker Price Opinion (BPO) |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .3208 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304713633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0571 | Broker Price Opinion (BPO) |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0571 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304713634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0769 | Broker Price Opinion (BPO) |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0769 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304713639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0253 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0253 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304736055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.95 | 78.95 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304736009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304735997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0955 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0955 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304735991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304736001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 304736004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304736104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304758112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0981 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0981 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304758084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304758183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0098 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0098 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304754682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304778039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 304778040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | XXXX | 304763640 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304758120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 73.95 | 73.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304817027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.98 | 61.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304819805 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304816963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304816978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 304819837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 63.22 | 63.22 | XXXX | XXXX | .0577 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 304819834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304825213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0118 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0118 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 304825154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304825197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304819794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0021 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0021 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 304825152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 304819838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.1209 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | -.1209 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0952 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 85.0 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR | XXXX | XXXX | -.0383 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.97 | 73.97 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304825223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304819832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304825222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0769 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 304819817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304813609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.96 | 74.96 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 304825149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304825157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 304825219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304813513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304825199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 304825231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304843230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304825164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 304843200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304843235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 304843148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304843201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 72.33 | 72.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304843269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 48.85 | 48.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304843192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304843143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0589 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0589 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304843190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.84 | 74.84 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304866872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.57 | 69.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304843188 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 84.56 | 84.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | XXXX | 304843270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 62.27 | 62.27 | XXXX | XXXX | .0000 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1685 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304843248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | XXXX | 304840609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304843211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304843137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 72.54 | 72.54 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304840612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.0 | 45.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304840569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304840627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

**December 2, 2025**<br> **Due Diligence Narrative Report** <br>

![](ex9911002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 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** |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 1 December 2, 2025 <br>

![](ex9911002.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex9911003.jpg) | **Chris Turk** | Senior Client Service Director |
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u> |
| ![](ex9911003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview** 

On behalf of Hometown Equity Mortgage, LLC ("theLender"), Clayton conducted an independent third-party pre-securitization due diligence review of 48 residential loan. The due diligence for theLender (48 loan) took place between July 2025 and October 2025.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through a Reliance Letter purchase and selected these loans for the JPMMT 2025-NQM5 transaction.

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 | 47 | 97.92% |
| Retail | 1 | 2.08% |
| **Total** | **48** | **100.00%** |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 2 December 2, 2025 <br>

![](ex9911002.jpg)

**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, and was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count*** <br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 48 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | &nbsp;&nbsp;48 |  |

---

Sponsor Acquisition Criteria

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

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. 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's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. 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 compensating factors and waivers.

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 3 December 2, 2025 <br>

![](ex9911002.jpg)

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

![](ex9911004.jpg)

TPR Component Review Scope

Clayton examined each loan file 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 the 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
 the 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 the 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;

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

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 4 December 2, 2025 <br>

![](ex9911002.jpg)

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 (48 loans)

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

– 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 (48 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Clayton had independent access to all products listed below.

For loans reviewed:

○ 39 loans had a collateral underwriter through Fannie/Desktop Underwriter of 2.5 or less and therefore did not require a 3<sup>rd</sup>party product.

○ 25 loans had a Desk Review in file to show support for value.

○ 3 loans had an Automated Valuation Model ("AVM") in file.

○ 1 loan had a second Full Appraisal in file to show support for value.

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>.)

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;■ Tested
 for state-specific consumer protection laws including 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:

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

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

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 5 December 2, 2025 <br>

![](ex9911002.jpg)

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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 15<sup>th</sup>, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from TPR firms across the industry and SFA'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 SFA 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.

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

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

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).

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 6 December 2, 2025 <br>

![](ex9911002.jpg)

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:

● Cook County High Cost Ordinance

● 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

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

● 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)

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format is 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.

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;■ Tape
 data received from lender/client is stored in eCLAS;

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

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

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

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 7 December 2, 2025 <br>

![](ex9911002.jpg)

**Data Compare Results** 

Clayton provided JPMorgan with copies 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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;27 | &nbsp;&nbsp;43.75% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;20 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;6 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.42% |
| &nbsp;&nbsp;Ever in Foreclosure | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;46 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;89.58% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;3 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;43 | &nbsp;&nbsp;10.42% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;97.92% |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 8 December 2, 2025 <br>

![](ex9911002.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 (48 loans)</u>

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;31 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**36** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**12** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**48** |

---

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.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;32 |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**36** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;7 | &nbsp;&nbsp;4 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**12** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**32** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**48** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;48 |  |  |  | &nbsp;&nbsp;**48** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**48** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**48** |

---

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 9 December 2, 2025 <br>

![](ex9911002.jpg)

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;28 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**31** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**32** |

---

The total count of loans that received a compliance review (32 loans) varies from the overall pool count (48 loans) due to investor loans not having applicability for compliance results.

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 10 December 2, 2025 <br>

![](ex9911002.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:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

○ 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:

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tax
 returns

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 11 December 2, 2025 <br>

![](ex9911002.jpg)

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

○ Asset review included:

– 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;&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;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Other
 documentation in loan file

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

– 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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 12 December 2, 2025 <br>

![](ex9911002.jpg)

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 13 December 2, 2025 <br>

![](ex9911002.jpg)

**Appendix B: Origination Appraisal Assessment** 

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

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

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

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)

– 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)

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 14 December 2, 2025 <br>

![](ex9911002.jpg)

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

○ Title XI of FIRREA:

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

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

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

○ USPAP

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:

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

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

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

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

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

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

○ 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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant
 occupancy

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 15 December 2, 2025 <br>

![](ex9911002.jpg)

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:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ 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.

○ 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

○ 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.

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

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

○ 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.

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

G. Desk
 Review definitions

○ 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.

○ 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 final value reconciliation used to grade the loan.

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 16 December 2, 2025 <br>

![](ex9911002.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:

○ 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

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

○ 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

○ 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

○ 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.

○ 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

○ 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:

○ 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.

○ 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)

○ 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

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

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 17 December 2, 2025 <br>

![](ex9911002.jpg)

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

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

○ 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)

○ 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 or the revised QM definition as described below. 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)

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

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

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Timing
 Requirements:

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

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

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 18 December 2, 2025 <br>

![](ex9911002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee
 Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Payment
 Schedule Accuracy:

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Waivers

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 19 December 2, 2025 <br>

![](ex9911002.jpg)

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Related
 Documentation

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

**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:

---

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

---

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 20 December 2, 2025 <br>

![](ex9911002.jpg)

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 21 December 2, 2025 <br>

![](ex9911002.jpg)

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

---

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

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

---

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 22 December 2, 2025 <br>

![](ex9911002.jpg)

**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.)

**<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.© 2025 Clayton Services LLC. All rights reserved.

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

JPMMT 2025-NQM5 Due Diligence Narrative Report Page \| 23 December 2, 2025 <br>

## Exhibit 99.12

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304732629 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304732629 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304726908 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304726908 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304726908 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304726908 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813640 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813640 | XXXXXX | XXXXXX | Product Type | XXXXXX | 30 yr Fixed - 10 yr IO |
| 304813640 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813621 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813621 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813621 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813621 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813619 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813619 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813619 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813619 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813608 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813608 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813608 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813587 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813587 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813587 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813585 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813585 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813585 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304813585 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813577 | XXXXXX | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| 304813577 | XXXXXX | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| 304813577 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813577 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813577 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304813577 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813570 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813570 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840736 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840736 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840736 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | 309932.57 |
| 304813542 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813537 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813537 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.8930 | 37.435 |
| 304813537 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304813537 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813537 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813535 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840731 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840731 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813532 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813532 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 62.4000 | XXXXXX |
| 304813532 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813532 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840729 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840729 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840728 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840728 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813517 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813517 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813517 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813499 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813499 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813499 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.45 | 28.2273 |
| 304813499 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813499 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813494 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813494 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813494 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813494 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813489 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813489 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813489 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813489 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 304813489 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813484 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813484 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813484 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304813484 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840720 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840720 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840720 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840720 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813447 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813447 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813445 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813445 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813445 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304813445 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813445 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 708 | 716 |
| 304813445 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813444 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304813444 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.9850 | XXXXXX |
| 304813444 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813444 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813443 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813443 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| 304813442 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813442 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813442 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813442 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813429 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813429 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813429 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813429 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813405 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813405 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 304813405 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813402 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813402 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813402 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813402 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840670 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 304840659 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX3 |
| 304840659 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840659 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840659 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 725 | 800 |
| 304840659 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840655 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840655 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840655 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840651 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840651 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840651 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840651 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840632 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840632 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840632 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840629 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840628 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840628 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840628 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840628 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840606 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840606 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840606 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840606 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 695 | 698 |
| 304840606 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840600 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840600 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840600 | XXXXXX | XXXXXX | Ever in Foreclosure | No | Yes |
| 304840600 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840600 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840595 | XXXXXX | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 304840595 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.6190 | XXXXXX |
| 304840595 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840595 | XXXXXX | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 304840595 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840595 | XXXXXX | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 304840591 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | XXXXXX | XXXXXX |
| 304840591 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840591 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840591 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840588 | XXXXXX | XXXXXX | Borrower DSCR Percent | 1.3872 | 2.4425 |
| 304840588 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840588 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840588 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840563 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840563 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840563 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 304840563 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840560 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840560 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304840560 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304840560 | XXXXXX | XXXXXX | Min Number | 100406900001009884 | 101014725072958954 |
| 304840560 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840560 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304840550 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304840550 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304840550 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 304813377 | XXXXXX | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 304813377 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 304813377 | XXXXXX | XXXXXX | Months Reserves | XXXXXX | XXXXXX |
| 304813377 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 304813377 | XXXXXX | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.13

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 304732629 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 705 exceeds maximum 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXX.XX, 71.79 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 7% of revolving credit utilized |
| 304726908 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $X,XXX.XX exceed required reserves of $XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0 x 30 for 20 months exceeds guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 684 exceeds guideline minimum of 660. |
| 304813640 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of754 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 2%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $XXXXXXXX or 12.42 months of PITIA. 0 months required. |
| 304813621 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of18 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of662 is above the required660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $XXXXXXXX or 38.01 months of PITIA. 0 months required. |
| 304813619 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 69.11 months piti reserves |
| 304813608 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 735 exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.11 is below guideline requirement max of 43.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower is engaged in his profession for over 16 years. |
| 304813587 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Verification of Rent dated XXX are stale dated with most recent rents verified for XXX and note date XXX, exceeding 120 days | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of725 is above the required700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of75.949 is below the maximum allowable of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $XXXXXX or 10.70 months of PITIA. 3 months required. |
| 304813585 | XXXXXX | XXXXXX | IL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Assets | Satisfied D | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence of Ownership of XXX to support use of XXX funds. Lender provided a letter from borrower which is not sufficient. Provide CPA letter or state search reflecting borrowers XXX of company. | 9-3-25 Client replied: Uploaded Business Entity Search, XXX is the only XXX and XXX of the business in his own name. | 9-4-25 Clayton reviewed state search which although status is dissolved, reflects borrower is XXX of business. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 663 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 40.25 months of reserves with none required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has no other debt. |
| 304813577 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $XXXXX, 23.75 months; none required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min fico 620; median fico 660 |
| 304813570 | XXXXXX | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | A B | B | A | Compliance | State Consumer Protection | Satisfied B | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | Provide evidence the MI Toolkit was delivered to borrower. | 8.22.25-Client provided proof of receipt of toolkit on XXX. Satisfied. | 8.22.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 761. Guideline minimum 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $XXXXXX or 107.38 months. 6 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.15%. The guideline maximum is 50%. |
| 304840736 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing June's business bank statements to support YTD income from P&L Per guidelines 1.7.5.2.1, when a P&L is provided, 2 business checking acct statements to be provided for the 2 most recent months reflected on the P&L. File contains July's business bank statement. Clayton deems non-material/non-fatal to lending decision due to compensating factors: credit score 717/660 minimum, 5.42 months cash reserves/0 required, LTV 53.53%/80% maximum and 16 years in profession. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.53% is below the maximum of 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXXXXX, 5.42 months reserves, 0 months required |
| 304840736 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Active B | CRDINC3204 | Income Documentation Missing | No | Missing YTD paystub. Per guidelines 1.7.5.2.1, if borrower pays themselves wage income, a YTD paystub is required. Clayton deems non-material/non-fatal to lending decision as officer's compensation is listed on P&L and the followingcompensating factors: credit score 717/660 minimum, 5.42 months cash reserves/0 required, LTV 53.53%/80% maximum and 16 years in profession. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.53% is below the maximum of 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXXXXX, 5.42 months reserves, 0 months required |
| 304840736 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Satisfied | CRDINC150 | Income docs do not meet guidelines | No | Missing P&L signed and dated by borrower. P&L in file is not signed or dated. | 9-26-25 Client uploaded signed P&L. | 9-29-25 Clayton reviewed P&L. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 717 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 53.53% is below the maximum of 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXXXXX, 5.42 months reserves, 0 months required |
| 304813542 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC3204 | Income Documentation Missing | No | Missing evidence of Security deposit (Move-In fee) as guidelines require receipt of funds if lease is dated after the application date. Lease dated XXX to begin XXX and application date is XXX.Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 743/700 minimum, 13.87 months cash reserves/6 required and good credit with only 1 late. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 743 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 13.87 months of reserves is above the 6 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has only 1 late payment on credit report. |
| 304813542 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Missing evidence that borrower is an experienced XXX XXX and XXX XXX occupied residential real estate for at least one year in the last three years (Sec 1.8.1.1). Guidelines allow first time XXX with a primary housing requirement (Cannot live "rent free" per NONI matrix. Lender provided a rent free letter in file.Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 743/700 minimum, 13.87 months cash reserves/6 required and good credit with only 1 late. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 743 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 13.87 months of reserves is above the 6 months required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has only 1 late payment on credit report. |
| 304813537 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 795 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% of revolving credit utilized<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Rental payment history 45 months exceeds the 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 37.43% is below the maximum of 45% for FTHB |
| 304813535 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $XXXXXXX (15.67 months PITIA reserves) > min required of 6 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 mid score > min required of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned/occupied primary residence for 21 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x78 months > max permitted of 1x30 x12 months |
| 304840731 | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 228 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $XXXXXXXX, 12.43 months. 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 754 exceeds the guideline minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrowers have 99+ months on-time housing history. The guidelines require a 12 month review. |
| 304813532 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 705 is 5 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXXXXX PITIA which is > guideline minimum of 12 months PITIA.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 9% of available revolving credit. |
| 304840729 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | 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<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 exceeds guideline requirements |
| 304840728 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 mid-score per CBR. 660 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 1.04 months of reserves in file, 0 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 24 months of 0x30 consumer credit history per CBR. |
| 304813517 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow 4 HEM financed properties. Committee Review approved to allow 7 financed properties with HEM. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score is 737/700 minimum, 82.44 months cash reserves/0 required and 6% credit usage. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 737 exceeds the minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $XXXXXXX months, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6% of revolving credit utilized<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.3112 (Rents: $XXX /Expenses: $1372.74) |
| 304813499 | XXXXXX | XXXXXX | IN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 684 is 4 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $XXXXXXXX months; 6 months PITIA.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.23% is below the guideline minimum of 43%. |
| 304813494 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $XXX in cash reserves. Verified post closing reserves of $XXXXXXX, 11.73 months of PITIA.; 12 months required.Clayton deems non-material/non-fatal to lending decision as less than 1 month short and the following compensating factors: Credit score 720/680 required, DTI of 36.69/45% maximum and minimal credit usage of 5%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.69% is below the guideline minimum of 45% for first time home owner.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 5% of available revolving credit.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 720 is above the required 680 for first time home owner. |
| 304813489 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date of XXX. | 8.18.25-Client provided CD issued XXX-Esigned XXX. Satisfied. | 8.18.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 805 is 85 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.42% is below the guideline minimum of 43%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 1% of available revolving credit. |
| 304813489 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD confirmed by borrower 3 days prior to consummation date of XXX. | 8.18.25-Client provided CD issued XXX-Esigned XXX. Satisfied. | 8.18.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 805 is 85 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.42% is below the guideline minimum of 43%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 1% of available revolving credit. |
| 304813489 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Guideline requirement 85% LTV is 12 months PITIA. Verified reserves $36,703.69, 6.48 months PITIA. | 8-18-25 Client emailed requesting review of assets. | 8-18-25 Clayton reviewed file and assets. Total assets updated to $XXXXX (XXX XXX XXX $XXXXXXX,XXX + XXX XXX XXX $XXX.XX + XXX XXX XXX $XXX.XX + XXX XXX XXX/XXX XXX $XXXX xfer XXX) + XXX XXX XXX $X,XXX.XX ($XX,XXX.XX - $1XX xfer XXX - $Xk xfer XXX) + $XX gift) less cash required to close $XX,XXX.XX = $XX,XXX.XX cash reserves. Short reserves of $XX,XXX.XX. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 805/720 required, DTI 23.42%/43% maximum allowed and 1% credit usage. Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 805 is 85 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.42% is below the guideline minimum of 43%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has only used 1% of available revolving credit. |
| 304813484 | XXXXXX | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $XXX,XXX.XX, 102.78 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 695; above minimum program requirement. |
| 304840720 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 682 exceeds the minimum of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.62% is below the maximum of 45% - FTHB<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXX,XXX.XX,, PITI $XXXX months reserves, 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized |
| 304813447 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 778 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has over 2 years of mortgage history and only 12 months is required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 40.17 months reserves and 0 are required. |
| 304813445 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.36 months of reserves in file.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 10.15 is below guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 77 months of 0x30 mortgage history per CBR. |
| 304813444 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Guidelines require the P&L statement be dated within 30 days of the application. The initial application date is XXX. The P&L prepared by the CPA is dated XXX which is outside the 30 days. Clayton deems non-material/non-fatal to lending decision as only 3 days outside of guidelines and the following compensating factors: 3.28 months cash reserves/0 required, LTV 16.13%/80% maximum allowed, credit score 777/660 minimum and DTI of 21.09%/50% maximum. | 8-19-25 Client replied: HEM accepts B grade | 8-19-25 Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $XXXXXX or 3.28 months. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 16.13% is below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.09%. The guideline maximum is 50%. |
| 304813443 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $XXX,XXX.XX, months reserves, 3 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 775 exceeds the minimum of 740<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% revolving credit utilized<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $XXXX 4/months or 5.5%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.5133 (Rent $XXX / Expenses $XXXXX) |
| 304813442 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 767 > 107 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.15% is below the minimum program requirement of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 44.47 months of reserves exceeds guideline requirements of 12 months. |
| 304813429 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX,XXX.XX, or xx.xx months PITI reserves exceed required reserves of $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment histories of 22 and 47 months exceed 12 months guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 24 open accounts with 0 x 30 payment histories reflecting a good credit history. |
| 304813405 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 130 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 71 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.03 months of reserves in file, none required. |
| 304813402 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75 is below guideline requirement max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 10.53 is below guideline requirement max of 45.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XX,XX,XX.XX or X.XX months PITI reserves exceed required reserves of $X.XX. |
| 304840670 | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide Final HUD. | 9-22-25 Client uploaded HUD. | 9-23-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 760. G/l min is 740<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% consumer credit utilization in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16.54 months piti reserves |
| 304840659 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $XX,XXX.XX, 14.47 months. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 is above the required 700. |
| 304840655 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing 3 months reserves as required per guidelines. Additional payoffs were added at closing, resulting in reduced cash back to customer. Cash back was sole source of reserves, no additional asset statements were provided. With reduced cash back received, reserve requirement is no longer met. Post closing reserves $XXXX.XX, 0.71 months; 3 months is $XX,XXX.XX. | 10-10-25 Client uploaded post close exception for reserves. | 10-10-25 Clayton reviewed post close exception. Clayton reviewed file and deems non-material/non-fatal to lending decision due to compensating factors: LTV 50%/70% maximum, Credit score 653/620 minimum, and DTI 47.02%/50% maximum. Non-material Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of653 is above the required 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50 is below the maximum allowable of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 47.02 is below the maximum allowable 50% |
| 304840651 | XXXXXX | XXXXXX | MI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 754 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 26 months exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $X,XXX.XX, X.XX months. 0 months required. |
| 304840632 | XXXXXX | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Title | Satisfied | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title does not reflect borrower as the proposed insured. | 9-29-25 Client uploaded updated title. | 9-30-25 Clayton reviewed updated title. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for the past 4 years and 3 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.98% is below the minimum program requirement of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 3 years and 1 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 687 > 7 points above guideline program minimum of 680. |
| 304840629 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 808 FICO score is above the 700 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.818% LTV is below the 75% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 20.53 months reserves is above the required 6. |
| 304840628 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XX,XXX.XX or months PITI reserves exceed required reserves of ($X,XXX.XXX x 12 = $XX,XXX.XX).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 42.57 is below guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 780 exceeds guidelines. |
| 304840606 | XXXXXX | XXXXXX | NV | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Previous exception "Missing required Income docs" replaced with this one "Income docs do not meet guidelines". Missing verification of short term monthly income of $XXX. XXX in file is not acceptable as submarket score is less than 60 at 54. | 9-23-25 Client provided a post close approved exception for submarket score less than 60. | 9-24-25 Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 698/660 minimum, 4.21 months cash reserves/0 required and 66 months mortgage history/12 required. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $XX,XXX.XX, 4.21 months. 0 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 66 months exceeds the required 12 months. |
| 304840600 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. The guideline maximum is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 668. The guideline minimum is 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at primary residence 5 years. |
| 304840595 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Documentation | Satisfied B | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | No | Due to Simple Interest Rider in file. Provide to borrower/servicer corrected documents, such as the Note and documents that contain the new P&I amount. Additional conditions may apply. cn-1686 | 9.19.25-Email update sent per client request.-CN-1686.9.22.25-Client provided updated note, correcting payment. Satisfied. | 9.22.25- Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXX.XX, 16.14 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.72% is below the maximum of 50% |
| 304840595 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4027 | TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I | No | Provide final CD executed at closing. Additional conditions may apply | 9.19.25-Client provided CD issued 9/12/25. Satisfied.9.22.25-Per revised note provide PCCD matching P&i of XXXXXX. Additional conditions may apply.9.24.25-Client provided first PCCD provided issued 9/12/25. Sent for second review - CN-1686.9.24.25-Client provided PCCD & Corrected Note-Other Evidence New note signed, so we did not require a written LOX. CN-1686 Satisfied. | 9.24.25-Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXX.XX, 16.14 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.72% is below the maximum of 50% |
| 304840595 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID4993 | TRID CD: The Total Fixed Payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Total Fixed Payment Clayton that calculates. | No | Provide final CD executed at closing. Additional conditions may apply | 9.19.25-Client provided CD issued 9/12/25. Satisfied.9.22.25-Per revised note provide PCCD matching P&i of $3472.86. Additional conditions may apply.9.24.25-Client provided first PCCD issued 9/12/25. Sent for second review - CN-1686.9.24.25-Client provided PCCD & Corrected Note-Other Evidence New note signed, so we did not require a written LOX. CN-1686 Satisfied. | 9.24.25- Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXX.XX, 16.14 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.72% is below the maximum of 50% |
| 304840595 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID5035 | TRID - CD: The fixed payment disclosed in at least one column of the Projected Payments section of the Final Closing Disclosure does not match the Fixed Payment that Clayton calculates. | No | Provide final CD executed at closing. Additional conditions may apply | 9.19.25-Client provided CD issued 9/12/25. Satisfied.9.22.25-Per revised note provide PCCD matching P&i of $3472.86. Additional conditions may apply.9.24.25-Client provided first PCCD issued 9/12/25. Sent for second review - CN-1686.9.24.25-Client provided PCCD & Corrected Note-Other Evidence New note signed, so we did not require a written LOX. CN-1686 Satisfied. | 9.24.25-Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXXX.XX, 16.14 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.72% is below the maximum of 50% |
| 304840595 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is required to make a 5% down payment from their own funds. Total cash requirement was $XX,XXX.XX - $XX,XXX gift funds = $XX,XXX.XX. 5% is $XX,XXX. Borrower's contribution was short $X,XXX.XX. Note: File did not provide evidence of the EMD of $1,500 or $810 POC for appraisal which could satisfy this exception if verified paid and cleared in borrower's bank account. Clayton deems non-material/non-fatal to lending decision as EMD and POC evidence would clear exception if provided and compensating factors: Credit score 696/680 minimum, 16.14 months cash reserves/12 required, DTI of 34.72%/50% maximum, and minimal credit use at 11%. | 9-19-25 Client comments are for exception CRDCRMH193 | 9-22-25 Clayton reviewed comments which are for exception CRDCRMH193. Non-material Exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 696 exceeds the minimum of 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $XXXX.XX, 16.14 months reserves, 12 months required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.72% is below the maximum of 50% |
| 304840591 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 746 is 26 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.10% is below the guideline minimum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX,XXX.XX/XX.XX PITIA which is > guideline minimum of 12 months PITIA. |
| 304840588 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | 3rd party fraud report missing for B2 XXX). Please provide. Additional exceptions may apply. | 10-10-25 Client uploaded fraud report. | 10-14-25 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x64 months mortgage payment history exceeding guideline history of 1x30x12. |
| 304840588 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Guidelines require when using an XXX report that the comps be similar in amenities. 2 of the comps on the XXX report have a pool and the other comp is described as XXX with hot tub and backyard XXX - all appear superior to the subject. Also the subject property was input as a 3 bedroom 2 bath. Property is a 2 unit with 1 bedroom/1 bath and 2 bedroom/1 bath.Lender used $XXX in DSCR calculation - source unknown as appraisal reflects fair market rent at $XXX + $XXX. | 10-10-25 Client replied: The comps amenities vs subj property amenities have all been considered thru the submarket score on the XXX report which is an 83 (min per G/L is 60). 2 Units - 1 bedroom/1 bath & 2 bedroom/1 bed = 3 bedroom 2 bath The source used for the DSCR calculation of $XXX is obtained from the Net Operating Income from the XXX | 10-14-25 Clayton reviewed file and explanation. Guidelines (sec 1.8.2.1.2) require XXX comps be similar in size, room count, amenities, availability and occupancy. Report reflects 2 Comps having superior amenities by having a pool and one described as XXX with hot tub and backyard XXX and the subject was input as a 3 bedroom 2 bath when it is actually a 2 unit with 2 bedroom/1 bath and 1 Bedroom/1 bath. Clayton deems non-material/non-fatal to lending decision as loan would qualify if projected STR was cut in half and the following compensating factors: Credit score 744/660 minimum, 64 months mortgage history/12 required, 22.88 months reserves/0 required and 80% TV/85% maximum. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x64 months mortgage payment history exceeding guideline history of 1x30x12. |
| 304840563 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing primary housing verification for previous mortgage with XXX mortgage on XXX. | 9-18-25 Client uploaded mortgage on borrower's previous residence. | 9-19-25 Clayton reviewed mortgage which was in borrower's spouse's name only. Borrower considered to have no housing with max DTI of 45%. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 mid-score per CBR. 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 39.25 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence. |
| 304840563 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Insurance | Satisfied | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | File contained proof of HO6 $100,000 in hazard coverage only. Master policy for XXX provided with expiration date of XXX and does not reflect subject property address (XXX) in list of location covered.Provide current updated master policy with subject property address listed in locations covered. | 9-18-25 Client uploaded Insurance. | 9-19-25 Clayton reviewed insurance and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 mid-score per CBR. 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 39.25 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence. |
| 304840560 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 9.19.25-Client provided e-consent agreement and proof of receipt of LE issued XXX. Provide proof of receipt/delivery for CD issued XXX & LE issued XXX.9.23.25-Client provided screenshots from LOS reflecting Actual receipt date of CD issued XXX as XXX.Provided also was the same documentation for LE issued XXX, receipt XXX. Satisfied. | 9.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.86% is below the maximum of 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 exceeds the minimum of 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years XXX in the same business |
| 304840560 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX. | 9.19.25-Client provided e-consent agreement and proof of receipt of LE issued XXX. Provide proof of receipt/delivery for CD issued XXX & LE issued XXX.9.23.25-Client provided screenshots from LOS reflecting Actual receipt date of CD issued XXX as XXX.Provided also was the same documentation for LE issued XXX, receipt XXX. Satisfied. | 9.23.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.86% is below the maximum of 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 exceeds the minimum of 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years XXX in the same business |
| 304840560 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan requires 12 months reserves. Verified 9 months reserves. Exception requested noted in file to allow less than 12 months. reserves. Clayton deems exception on non materiel / grade 2/B. DTI 36.86%, 748 FICO | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.86% is below the maximum of 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 748 exceeds the minimum of 720<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years XXX in the same business |
| 304840550 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 35.24 months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 674 mid-score per CBR. |
| 304813377 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 679 is 19 points above minimum program requirement of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x39 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XX,XXX.XX.XX PITIA which is > guideline minimum of 0 months PITIA. |

---

## Exhibit 99.14

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.14**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 304732629 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304726908 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813640 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304813621 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813619 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304813608 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813587 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | No |
| 304813585 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 304813577 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304813570 | XXXXXX | Yes | XXXXXX | XXXXXX B | B | A B | B | A | Not Applicable |
| 304840736 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A | Not Applicable |
| 304813542 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304813537 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304813535 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304840731 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813532 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304840729 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304840728 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304813517 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Yes |
| 304813499 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813494 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 304813489 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | A C B | C | A | No |
| 304813484 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304840720 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304813447 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813445 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813444 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 304813443 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813442 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813429 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304813405 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813402 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840670 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 304840659 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304840655 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A | No |
| 304840651 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840632 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | No |
| 304840629 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304840628 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840606 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A | No |
| 304840600 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304840595 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | Not Applicable |
| 304840591 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840588 | XXXXXX | N/A | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A | No |
| 304840563 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 304840560 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | A C B | C | A | Yes |
| 304840550 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304813377 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |

---

## Exhibit 99.15

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *48* |  |  |  | **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 Information** |  |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** | **Valuation Comments** |
| 304732629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304726908 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813640 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813621 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813608 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813587 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813585 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813577 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813570 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840736 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813542 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813537 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813535 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840731 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable | XXXXXX | XXXXXX | XXXXXX | 2.48% | XXXXXX | 3.000 | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840729 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840728 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813517 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304813499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 304813494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813484 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813447 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 304813445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813444 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 304813443 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 304813442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304813429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304813405 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304813402 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -1.86% | XXXXXX | 3.000 | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840670 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840659 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840655 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 304840651 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable | XXXXXX | XXXXXX | XXXXXX | -6.55% | XXXXXX | 8.000 | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 304840629 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304840628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304840595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840591 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304840563 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304840550 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 304813377 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |

---

## Exhibit 99.16

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.16**

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

**Overview** 

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association, through a bulk purchase. The review included a total of seven hundred and six (706) residential mortgage loans, in connection with the securitization identified as JPMMT 2025-NQM5 (the "Securitization"). The Review was conducted from February 2024 through November 2025 on mortgage loans originated between January 2024 and October 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance;

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves;

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport);

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required;

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value;

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation;

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file;

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution;

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position;

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property;

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale;

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines;

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards;

○ **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, calculate the debt-service coverage ratio to ensure it meets minimum guideline standards;

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements;

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines;

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. For Business Purpose and Investment loans, verify the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the subject property is being used for non-business purposes;

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines;

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations;

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions;

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported;

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

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

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

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

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

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 appraisal, determination that property is completely constructed, and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty relief, an additional valuation product was obtained to confirm value
 was supported within 10% tolerance. In some instances, based on guidance from the seller,
 CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and
 Warranty relief eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

For loans reviewed in a post-close valuation review scenario (706 loans in total):

Three hundred thirty-three (333) loans had a Desktop Review, twenty-one (21) loans had an AVM, nine (9) loans had a BPO, and four (4) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were two (2) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the seven hundred and six (706) mortgage loans reviewed, two hundred eighty-seven (287) unique mortgage loans (40.65% by loan count) had a total of six hundred and twelve (612) tape discrepancies across seventy-five (75) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;63 | &nbsp;&nbsp;10.29% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;46 | &nbsp;&nbsp;7.52% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;40 | &nbsp;&nbsp;6.54% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;39 | &nbsp;&nbsp;6.37% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.72% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;33 | &nbsp;&nbsp;5.39% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.92% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;3.76% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.10% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.78% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.61% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.96% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.63% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.98% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.82% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Borrower 1 Total Years Employment/Self-Employment Verified | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Mo Pymt (P&I) | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Gross Rent | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.49% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.33% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;158232 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Property No Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Property Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Street Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;First Pymt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Citizen Types | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Prepymt - May/Will Not Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Monthly Taxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**612** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 633 | $170331412.00 | 89.66% |
| Event Grade B | 73 | $23208745.00 | 10.34% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 706 | $193540157.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 640 | 90.65% |
| Event Grade B | 66 | 9.35% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 706 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 555 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 555 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 555 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 149 | 98.68% |
| Event Grade B | 2 | 1.32% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 151 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 700 | 99.15% |
| Event Grade B | 6 | 0.85% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 706 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;490 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;13 |
|  |  | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;9 |
|  |  | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;8 |
|  |  | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;7 |
|  |  | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;7 |
|  |  | &nbsp;&nbsp;Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Background Report Missing or Defective | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Undocumented Large Deposit/Increase | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Loan Application Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 2 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Purchase Contract does not Match Final CD | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Background Report Aged | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Personal Guaranty | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Prepayment Rider | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Security Instrument Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Initial 1003 is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Data Tape Discrepancy | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Title/Lien | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**674** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;7 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Guaranty Missing or Defective | &nbsp;&nbsp;4 |
| | | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;4 |
| | | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;4 |
| | | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;3 |
| | | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Lease Agreement | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Employment Self-Employed Less Than 2 Years at Origination | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**78** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OK HOEPA Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Late Charge Grace Period is less than 10 days | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Compliance (A) Exceptions:*** | &nbsp;&nbsp;**176** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Compliance (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;146 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Completion Report or 1004D - Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Misrepresentation of the Physical Characteristics | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Questionnaire Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Short Term Rental Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Desk Review Variance > 10% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Estoppel Certificate Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Cert or Evidence not in a Flood Zone Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Property (A) Exceptions:*** | &nbsp;&nbsp;**196** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Zoning Non-compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Property (B) Exceptions:*** | &nbsp;&nbsp;**6** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.17

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304818387 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304818387 | XXXXX |  | LTV | 80.00% | 53.86% | $XXX/$XXX |
| 304840830 | XXXXX |  | Sales Price | $XXX | $XXX | CD reflects $XXX |
| 304846402 | XXXXX |  | Sales Price | $XXX | $XXX | CD dated XX/XX/XXXX reflects $XXX |
| 304843728 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | appraisal reflects attached |
| 304843728 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304843728 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX income / $XXX P&I + $XXX Taxes + $XXX Insurance |
| 304867878 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | appraisal reflects attached |
| 304833269 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Delayed Finance |
| 304828124 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Loan amount per Note dated XX/XX/XXXX is $XXXXXX |
| 304828124 | XXXXX |  | Interest Rate | XXX% | XXX% | Interest Rate per Note is XXX% |
| 304828124 | XXXXX |  | P&I | $XXX | $XXX | P&I per Note is $XXX |
| 304828124 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304828124 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304849036 | XXXXX |  | Interest Rate | XXX% | XXX% | Note dated XX/XX/XXXX reflects XXX% |
| 304849036 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304849036 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $XXX income/ $XXXX.XX P&I + $XXX insurance + $XXX taxes + $XXX HOA |
| 304839433 | XXXXX |  | DSCR | XXX | XXX |  |
| 304848623 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | appraisal reflects attached |
| 304848122 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304845367 | XXXXX |  | Property Type | 1- Single Family Detached (non-PUD) | CONDO | Appraisal reflects single family detached |
| 304843774 | XXXXX |  | Interest Rate | XXX% | XXX% | Note dated XX/XX/XXXX reflects XXX% |
| 304839435 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX income / $XXX P&I + $XXX Taxes + $XXX Insurance |
| 304839432 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX income / $XXX P&I + $XXX Taxes + $XXX Insurance |
| 304828125 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX income / $XXX P&I + $XXX Taxes + $XXX Insurance |
| 304868245 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects single family attached |
| 304867879 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET |  |
| 304846407 | XXXXX |  | City | XXX | XXX | Appraisal reflects XXX |
| 304844772 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | $XXX cash to borrower |
| 304840869 | XXXXX |  | Sales Price | $XXX | $XXX |  |
| 304732132 | XXXXX |  | City | XXX | XXX |  |
| 304695772 | XXXXX |  | Street Address | XXX | XXX | X Family |
| 304731281 | XXXXX |  | Postal Code | XXX | XXX | Zip code per appraisal reflects XXX |
| 304710908 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects attached |
| 304832985 | XXXXX |  | Property Type | 7- PUD (Only for use with Single-Family Detached Homes with PUD riders) | SINGFAMDET |  |
| 304696895 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Refi Cash Out - $XXX cash to borrower |
| 304692692 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Refi Cash Out - $XXX cash to borrower |
| 304492770 | XXXXX |  | Property Type | 13- 2 Family | 3FAM | Appraisal reflects X unit property |
| 304492770 | XXXXX |  | Property Units | 2 | 3 | Appraisal reflects X unit property |
| 304843755 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | REFICASHOUT | Cash out amount of $XXX |
| 304833608 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Note dated XX/XX/XXXX reflects $XXX |
| 304833608 | XXXXX |  | P&I | $XXX | $XXX | Note dated XX/XX/XXXX reflects $XXX |
| 304857396 | XXXXX |  | DSCR | XXX | XXX | Using lower of lease rents per guidelines of tenant occupied purchase. |
| 304856469 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | appraisal reflects attached |
| 304828351 | XXXXX |  | Property Type | 8- Townhouse (Do not report as "PUD") | SINGFAMDET |  |
| 304813311 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $XXX Income/ $XXX P/I + $XXX insurance + $XXX taxes |
| 304765379 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304750456 | XXXXX |  | DSCR | XXX | XXX | Utilizing STR income from "XXX" to qualify DSCR |
| 304734208 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $XXX income/ $XXX P&I + $XXX insurance + $XXX taxes |
| 304758001 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Refi Cash Out - $XXX cash to borrower |
| 304729322 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | REFICASHOUT | Refi No Cash Out - $XXX cash from borrower |
| 304459054 | XXXXX |  | DSCR | XXX | XXX | Breakdown as follows: $XXXX income/ $XXX P&I + $XXX insurance + $XXX taxes + $XXX HOA |
| 304712960 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Refi Cash Out - $XXX cash to borrower |
| 304712960 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO is XXX per credit report dated XX/XX/XXXX |
| 304701023 | XXXXX |  | As-Is Value | $XXX | $XXX | As-is value reflects $XXX per appraisal dated XX/XX/XXXX |
| 304686776 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Delayed Finance - $XXX cash to borrower |
| 304390747 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT |  |
| 304833609 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | appraisal reflects attached |
| 304833609 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $XXX Income/ $XXX P/I + $XXX insurance + taxes $XXX |
| 304848286 | XXXXX |  | As-Is Value | $XXX | $XXX |  |
| 304712964 | XXXXX |  | City | XXX | XXX | Appraisal dated XX/XX/XXXX reflects city as XXX |
| 304843779 | XXXXX |  | Interest Rate | XXX% | XXX% | Interest rate is XXX% using note dated XX/XX/XXXX |
| 304843779 | XXXXX |  | P&I | $XXX | $XXX | P&I is XXX per note dated XX/XX/XXXX |
| 304843779 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304827644 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects single fam attatched |
| 304826881 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects single fam attached |
| 304821136 | XXXXX |  | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304777805 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $ Income XXX / $XXX P/I + $XXX insurance + $XXX taxes / HOA XXX |
| 304777313 | XXXXX |  | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit report dated XX/XX/XXXX |
| 304777313 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $XXX income/ $XXX P&I + $XXX insurance + $XXX taxes + $XX HOA |
| 304758004 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal dated XX/XX/XXXX reflects $XXX |
| 304818388 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Delayed finance |
| 304814842 | XXXXX |  | Borrower First Name | XXX | XXX |  |
| 304750431 | XXXXX |  | Property Type | 7- PUD (Only for use with Single-Family Detached Homes with PUD riders) | SINGFAMDET | Appraisal reflects PUD |
| 304733027 | XXXXX |  | As-Is Value | $XXX | $XXX | As is value per appraisal dated XX/XX/XXXX reflects $XXX |
| 304732186 | XXXXX |  | Loan Purpose | 3-Refi Cash Out | REFIRT | Delayed Finance, Cashout per ASF requirements |
| 304754785 | XXXXX |  | PITIA | $XXX | $XXX |  |
| 304848484 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | Refinance (Cash Out) | $XXX cash to borrower |
| 304848485 | XXXXX |  | Gross Rent | XXX | XXX | Market rent according to appraisal $XXX, no lease in file |
| 304848485 | XXXXX |  | DSCR | XXX | XXX |  |
| 304768592 | XXXXX |  | PITIA | $XXX | $XXX | P&I $XXX, Taxes $XXX, Hazard $XXX, Flood $XXX |
| 304768592 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: Income $XXX / P&I $XXX, Taxes $XXX, Hazard $XXX, Flood $XXX |
| 304749869 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note date reflects XX/XX/XXXX |
| 304768596 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 304768596 | XXXXX |  | Gross Rent | XXX | XXX | Market rent per appraisal dated X/X/XX |
| 304768596 | XXXXX |  | PITIA | $XXX | $XXX | P&I $XXX + Insurance $XXX + Taxes $XXX + Cap Ex $XXX |
| 304754789 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | Refinance (Cash Out) | $X cash to close |
| 304754788 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | Refinance (Cash Out) | Payoff in file |
| 304754786 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | Refinance (Cash Out) | Payoff in file |
| 304848547 | XXXXX |  | LTV | 71.25% | 75.00% | Loan Amount: $XXX/ $XXX Appraised Value |
| 304848527 | XXXXX |  | PITIA | $XXX | $XXX |  |
| 304848508 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 304848506 | XXXXX |  | LTV | 73.90% | 75.00% | $XXX loan amount/ $XXX appraised value |
| 304848502 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 304848489 | XXXXX |  | PITIA | $XXX | $XXX |  |
| 304848489 | XXXXX |  | DSCR | XXX | XXX |  |
| 304848486 | XXXXX |  | Qualifying FICO | XXX | XXX | using credit report dated X/X/XX |
| 304848486 | XXXXX |  | Gross Rent | XXX | XXX | Market rent per appraisal dated X/X/XX and revised X/XX/XX |
| 304848486 | XXXXX |  | DSCR | XXX | XXX |  |
| 304848470 | XXXXX |  | Qualifying FICO | XXX | XXX | using credit score of guarantor with highest ownership % |
| 304848470 | XXXXX |  | PITIA | $XXX | $XXX | P&I: $XXX + Hazard: $XXX + Taxes: $XXX |
| 304848470 | XXXXX |  | DSCR | XXX | XXX | Monthly Breakdown: Rent: $XXX/ P&I: $XXX + Hazard: $XXX + Taxes: $XXX |
| 304848470 | XXXXX |  | LTV | 68.55% | 65.00% | Loan Amount: $XXX/ $XXX Appraised Value |
| 304768597 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 304848514 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 304848514 | XXXXX |  | Qualifying FICO | XXX | XXX | Using lower qualifying score with owners with equal percenatges per guidelines |
| 304848493 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 304848477 | XXXXX |  | Prepayment Penalty | N/A | 36 |  |
| 304848476 | XXXXX |  | Prepayment Penalty | N/A | 36 | Note reflects no prepayment penalty |
| 304848471 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 304768612 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 304749875 | XXXXX |  | PITIA | $XXX | $XXX | P&I $XXX + Insurance $XXX + Tax $XXX + HOA $XXX= $XXX |
| 304749868 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note reflects XX/XX/XXXX |
| 304824841 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304779617 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304779700 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304824837 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects attached |
| 304824826 | XXXXX |  | Qualifying FICO | XXX | XXX | per guidelines using highest qualifying score of all guarantors |
| 304779761 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects attached |
| 304779689 | XXXXX |  | DSCR | XXX | XXX |  |
| 304779661 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304779646 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXXX.XX P&I + $XXX Insurance + $XXX Taxes |
| 304824874 | XXXXX |  | Qualifying FICO | XXX | XXX | per guidelines using highest qualifying score of all guarantors |
| 304824874 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304824857 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304824832 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304824809 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304824755 | XXXXX |  | Property Type | 12- 1 Family Attached | TOWNHOUSE |  |
| 304824748 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects attached |
| 304824745 | XXXXX |  | Property Type | 12- 1 Family Attached | TOWNHOUSE | Appraisal reflects attached |
| 304779747 | XXXXX |  | Qualifying FICO | XXX | XXX | Taking highest FICO per guideline requirements |
| 304779753 | XXXXX |  | DSCR | XXX | XXX | Tape value missing repairs, maintenance, management fee etc. |
| 304779735 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304779726 | XXXXX |  | Qualifying FICO | XXX | XXX | Taking highest FICO per guideline requirements |
| 304779725 | XXXXX |  | Qualifying FICO | XXX | XXX | Taking highest FICO per guideline requirements |
| 304779717 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: $XXX income/ $XXX P&I + $XXX insurance + $XXX taxes |
| 304779697 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304779649 | XXXXX |  | Qualifying FICO | XXX | XXX | Taking highest FICO per guideline requirements |
| 304824881 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | REFICASHOUT | $XXX cash from borrower |
| 304824860 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 304824821 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | REFICASHOUT | $XXX cash from borrower |
| 304824821 | XXXXX |  | DSCR | XXX | XXX | Breakdown: $XXXX Income / $XXX P&I + $XXX Insurance + $XXX Taxes |
| 304824811 | XXXXX |  | Property Type | 12- 1 Family Attached | SINGFAMDET | Appraisal reflects attached |
| 304824799 | XXXXX |  | Loan Purpose | 9-Refi No Cash Out | REFICASHOUT | $XXX cash from borrower |
| 304824799 | XXXXX |  | Qualifying FICO | XXX | XXX | Utilizing most recent credit report |
| 304824793 | XXXXX |  | Qualifying FICO | XXX | XXX | per guidelines using highest qualifying score of all guarantors |
| 304821270 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Note reflects $XXX loan amount |
| 304821270 | XXXXX |  | Interest Rate | XXX% | XXX% | Note reflects XXX% interest rate |
| 304821270 | XXXXX |  | P&I | $XXX | $XXX | Note reflects $XXX P&I |
| 304821270 | XXXXX |  | LTV | 75.00% | 72.00% | Utilizing $XXX loan amount |
| 304821270 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304510564 | XXXXX |  | 158232 | 3-Refi Cash Out | PURCH | Subject transaction is a delayed purchase per appraisal in file |
| 304811754 | XXXXX |  | Qualifying CLTV | 90 | 85 | Qualifying CLTV is correct based on new loan amount and appraised value and Xst mortgage balance. |
| 304811754 | XXXXX |  | Qualifying LTV | 90 | 85 | Qualifying LTV is correct based on new loan amount and appraised value. |
| 304811754 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | XXX% is correct as per documented income and debts and matches XXX. |
| 304811754 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821271 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821269 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821263 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821246 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821241 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304811687 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit value calculated per income and debts documented |
| 304811687 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821225 | XXXXX |  | Qualifying Interest Rate | 8.5 | 8.625 | Audit value pulled from Note |
| 304821225 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821214 | XXXXX |  | Total Monthly Property Insurance Amount | $XXX | $XXX | Per HOI |
| 304821214 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304811656 | XXXXX |  | Borrower 1 Marital Status | XXX | XXX | BorrX is XXX as per final XXX. |
| 304811656 | XXXXX |  | Initial Monthly P&I Or IO Payment | 2787.89 | 3057.23 | Audit value pulled from Note |
| 304811656 | XXXXX |  | Qualifying Interest Rate | 8.125 | 8.25 | Audit value pulled from Note |
| 304811656 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit value calculated per income and debts documented |
| 304811656 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304811634 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304811626 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit value calculated per income and debts documented |
| 304811626 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304811623 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit value calculated per income and debts documented |
| 304811623 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821200 | XXXXX |  | Borrower 1 Self-Employment Flag | Yes | No | Borrower is self-employed per documentation in file |
| 304821200 | XXXXX |  | Borrower 1 SSN | XXX | XXX | From XXX |
| 304821200 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit value calculated per income and debts documented |
| 304821200 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304821186 | XXXXX |  | Total Qualified Assets Post-Close | $XXX | $XXX | Total qualifying assets after closing costs is correct as per documented assets. |
| 304841647 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the Application Date has been verified. |
| 304841639 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the Application Date has been verified. |
| 304841636 | XXXXX |  | Property Type | Single Family Detached | PUD | Per the Appraisal, the Subject Property Type has been verified. |
| 304841643 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the Application Date has been verified. |
| 304841643 | XXXXX |  | Property Type | Two to Four Unit | Single Family Detached | Per the Appraisal, the Subject Property Type has been verified. |
| 304841588 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the Application Date has been verified. |
| 304841671 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the Application Date has been verified. |
| 304841671 | XXXXX |  | Property Type | Two to Four Unit | Single Family Detached | Per the Appraisal, the Subject Property Type has been verified. |
| 304841670 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXXX |
| 304841638 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note date is correct as per final note. |
| 304756957 | XXXXX |  | Mo Pymt (P&I) | 5361.02 | 5369.95 | P&I is $XXX per note in file |
| 304756957 | XXXXX |  | T & I Payment | $XXX | $XXX | $XXX taxes + $XXX insurance = $XXX TIA |
| 304757012 | XXXXX |  | Property No Units | 2 | 1 | X Unit Property |
| 304757012 | XXXXX |  | Mo Pymt (P&I) | 4172.41 | 3932.72 | P&I is $XXX per note in file |
| 304757012 | XXXXX |  | Prepymt - May/Will Not Penalty | No | Yes | No PPP per note |
| 304756921 | XXXXX |  | First Pymt Date | XX/XX/XXXX | XX/XX/XXXX | First Pymt date XX/XX/XXXX |
| 304756921 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Maturity date XX/XX/XXXX |
| 304816664 | XXXXX |  | Property Type | Mixed Use 2-8 Unit | 5-10 Units | X unit Mixed Use property |
| 304816664 | XXXXX |  | Qualifying Value | $995000.00 | $975000.00 | Appraisal reflects $XXX |
| 304816664 | XXXXX |  | Original LTV | 68.59% | 70.00% | loan amount $XXX / qualifying value $XXX = XX.XX% |
| 304816664 | XXXXX |  | DSCR | XXX | XXX | Missing Insurance |
| 304816664 | XXXXX |  | T & I Payment | $XXX | $XXX | Missing Insurance |
| 304816792 | XXXXX |  | Citizen Types | Permanent Resident Alien | US Citizen | Borrower is Permanent Resident Alien |
| 304827840 | XXXXX |  | Qualifying Value | $1110000.00 | $950000.00 | Appraisal reflects $XXX |
| 304827840 | XXXXX |  | T & I Payment | $XXX | $XXX | $XXX Insurance + $XXX Tax = $XXX T&I |
| 304827943 | XXXXX |  | DSCR | XXX | XXX | $XXX / $XXX PITIA = X.XX DSCR |
| 304827943 | XXXXX |  | Mo Pymt (P&I) | 2148.81 | 2242.50 | $XXX per note |
| 304827943 | XXXXX |  | T & I Payment | $XXX | $XXX | $XXX Insurance + $XXX Tax = $XXX T&I |
| 304827943 | XXXXX |  | Origination Date | XX/XX/XXXX | XX/XX/XXXX | Note date XX/XX/XXXX |
| 304757158 | XXXXX |  | T & I Payment | $XXX | $XXX | $XXX taxes + $XXX insurance = $XXX TIA |
| 304748521 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 5 units | Appraisal reflects property is X units |
| 304780026 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 8 Units | Appraisal reflects X units |
| 304780024 | XXXXX |  | Property Type | 21- Mixed Use | 5-Units | X Unit mixed use property |
| 304827263 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | Property has X units |
| 304763852 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Note date is XX/XX/XXXX |
| 304818150 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Note date is XX/XX/XXXX |
| 304827262 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO XXX |
| 304827262 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | X Unit residential building |
| 304827264 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | X unit multi family |
| 304812561 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304812561 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Loan amount is $XXXXXX |
| 304844153 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304844153 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal reflects as-is value as $XXX |
| 304817943 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304817943 | XXXXX |  | Qualifying FICO | XXX | XXX | Median FICO score is XXX per credit report dated XX/XX/XXXX |
| 304827259 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304827259 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Loan amount is $XXXXXX |
| 304827259 | XXXXX |  | Interest Only Term | 120 | 0 | Note indicates Interest Only term of XXX |
| 304827259 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | Property has X units |
| 304817889 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304817889 | XXXXX |  | Interest Only Term | 120 | 0 | Note indicates Interest Only term of XXX |
| 304843893 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304823653 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304848384 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304848384 | XXXXX |  | Qualifying FICO | XXX | XXX | Median FICO score is XXX per credit report dated X/XX/XX |
| 304848384 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family |  | Property has X units |
| 304848384 | XXXXX |  | As-Is Value | $XXX | $XXX | Appraisal reflects As-Is value of $XXX |
| 304780023 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 1 Unit | Property has X units per Appraisal |
| 304844268 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304848374 | XXXXX |  | Closing Date | XX/XX/XXXX | XX/XX/XXXX | Closing date is XX/XX/XXXX |
| 304848374 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | X unit multifamily property |
| 304848382 | XXXXX |  | Qualifying FICO | XXX | XXX | Median FICO is XXX per credit score dated XX/XX/XXXX |
| 304848382 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | Property has X units |
| 304859730 | XXXXX |  | Interest Only Term | 120 | 0 | Per note |
| 304859728 | XXXXX |  | Interest Only Term | 120 | 0 | Per note |
| 304818191 | XXXXX |  | PITIA | $XXX | $XXX | P&I is $XXX + TIA: $XXX |
| 304818191 | XXXXX |  | Monthly Insurance | $XXX | $XXX | Hazard insurance reflects $XXX annual premium dated XX/XX/XXXX |
| 304818191 | XXXXX |  | Monthly Taxes | $XXX | $XXX | Tax cert reflects $XXX |
| 304818191 | XXXXX |  | DSCR | XXX | XXX | Income: $XXXX / P&I: $XXXX.XX + Taxes: $XXX + Insurance: $XXX + HOA: $XX |
| 304748515 | XXXXX |  | Property Type | 29- 5 to 10 Unit Multi-Family | 2-4 Units | Appraisal Reflects X Units |
| 304495363 | XXXXX |  | Property Value | $XXX | $XXX | Per appraisal vs sales price |
| 304495363 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304495363 | XXXXX |  | Verified Doc Type | 12 Month Bank Statement | ALT DOC | Same doc level, per XXXX addendum |
| 304495363 | XXXXX |  | Property Type | PUD | Single Family Detached | per appraisal |
| 304495363 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per audit of income vs debts. No residual income req for N/O |
| 304495398 | XXXXX |  | Sales Price | $XXX | $XXX | Per addedum p XXX |
| 304495398 | XXXXX |  | Qualifying CLTV | 80 | 79.89 | Based on revised purchase price of $XXXK, confirmed on FCD |
| 304495398 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per audit of income vs debts |
| 304489899 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304489899 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income and debt |
| 304495397 | XXXXX |  | Property Address | XXX | XXX | Per Note |
| 304495397 | XXXXX |  | Property Value | $XXX | $XXX | Per Appraisal vs sales price |
| 304495397 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304495397 | XXXXX |  | Verified Doc Type | 1YR Business P&L | Business P&L | Same Doc Level |
| 304495397 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per audit of income minus debts |
| 304655153 | XXXXX |  | Number of Borrowers | 1 | 2 | Per Note |
| 304655153 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304655153 | XXXXX |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Subject loan is for business purposes |
| 304655153 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income and liability documentation |
| 304495382 | XXXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Per Note Provided. |
| 304495382 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Per Note provided. |
| 304495382 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | The Qualifying All Borrower Residual Income is $XXX per month. |
| 304669346 | XXXXX |  | Property Value | $XXX | $XXX | value is higher than the purchase price |
| 304669346 | XXXXX |  | Verified Doc Type | 1YR Business P&L | Business P&L | X year business P&L |
| 304669346 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | system calculated |
| 304679044 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXXX/compliance report |
| 304679044 | XXXXX |  | Qualifying Total Reserves Number of Months | 4.9 | 4 | Per CD |
| 304679044 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 304695165 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXXX/Intent to Proceed |
| 304695165 | XXXXX |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Investment property |
| 304695165 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit used more conservative income |
| 304695165 | XXXXX |  | Loan Product Type | 30 Year Fixed | Alt101 | Per Note |
| 304695182 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304695182 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income vs debts |
| 304695182 | XXXXX |  | Loan Product Type | 30 Year Fixed | Alt101 | Per DU |
| 304694716 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXXX. |
| 304694716 | XXXXX |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | BPL making the loan exempt from QM-ATR. |
| 304694716 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Deed of Trust confirms loan closed XX/XX/XXXX per borrower's signature and notary date. |
| 304694716 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit DTI slightly higher due to consumer debt. |
| 304694769 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per Final CD |
| 304694769 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit DTI lower due to consumer debt is lower. Removing Auto loan less than XX monthly payments per credit report. |
| 304694658 | XXXXX |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | DSCR loan ATR exempt |
| 304704711 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXXX. |
| 304704711 | XXXXX |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | BPL making the loan exempt from QM-ATR. |
| 304704774 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXXX. |
| 304704774 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit DTI higher due to IO qualifying payment is $XXX vs. $XXX used by lender. |
| 304694639 | XXXXX |  | Property Address | XXX | XXX | Property address is correct per note and mortgage. |
| 304694639 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Application date is XX/XX/XXXX per initial XXXX. |
| 304694639 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Settlement date was figured by compliance and is XX/XX/XXXX. |
| 304866914 | XXXXX | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per approval |
| 304866914 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 15.72 | 12 | Per asset docs |
| 304866914 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| 304866914 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| 304757071 | XXXXX | XXXXX | Originator Doc Type | 2YR Full Doc | Alt-Doc Prime Standard Full Doc | Per Loan Approval |
| 304757071 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation |
| 304757071 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation |
| 304757071 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 61.12 | 60 | Per asset documentation and housing expense |
| 304757071 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liability documentation |
| 304757071 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 304757062 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per approval |
| 304757062 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 12.91 | 12 | Per asset docs |
| 304757062 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| 304757062 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| 304757062 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit docs |
| 304757062 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 304757075 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Coding. |
| 304757075 | XXXXX | XXXXX | Cash out Include Debt Paid at Close | 115883.14 | 117633.14 | Amount from the final CD. |
| 304757075 | XXXXX | XXXXX | Reviewed Appraised Property Value | $XXX | $XXX | Review appraisal higher than primary appraisal. |
| 304757075 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 12.56 | 6 | Amount of cash out proceeds. |
| 304757075 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Slightly higher pitia on the XXX and hazard for the subject showed higher monthly premium. |
| 304757075 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 304757138 | XXXXX | XXXXX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | 12-23 Months | Per verification of employment |
| 304757138 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 304757138 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 3.94 | 3 | Rounding |
| 304757138 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset statements minus reserves |
| 304757138 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| 304757138 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 304757081 | XXXXX | XXXXX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | 12-23 Months | Per CPA Letter |
| 304757081 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Final Approval |
| 304757081 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation, including business checking account |
| 304757081 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation, including business checking account |
| 304757081 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 34.65 | 29 | Per asset documentation, including business checking account, and, housing expense |
| 304757081 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liability documentation |
| 304757081 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 304757134 | XXXXX | XXXXX | Borrower 1 Qualifying Income | 30978.14 | 31061.42 | Per P&L Statement |
| 304757134 | XXXXX | XXXXX | Originator Doc Type | 1YR Business P&L | ALT DOC | Per Loan Approval |
| 304757134 | XXXXX | XXXXX | Cash out Include Debt Paid at Close | 178030.1 | 119671.63 | Per Final CD |
| 304757134 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 19.85 | 19 | Per cash out and housing expense |
| 304757134 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| 304757134 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 304757049 | XXXXX | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per loan approval |
| 304757049 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per assets in file |
| 304757049 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 67.98 | 67 | Rounding |
| 304757049 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per credit report |
| 304757049 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal delivery receipt |
| 304757099 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval |
| 304757099 | XXXXX | XXXXX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | Less than 12 Months | Per CPA Letter |
| 304757099 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation, including $XXX or returned EMD |
| 304757099 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 10.07 | 12 | Per asset documentation, including $XXX or returned EMD, and housing expense |
| 304757099 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset documentation, including $XXX or returned EMD |
| 304757099 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per Liability Documentation |
| 304757099 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 304757069 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| 304757069 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Updated mortgage statement provided shows slight increase in the PITI for the departure. |
| 304757069 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 304757064 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per approval |
| 304757064 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset docs |
| 304757064 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Per asset docs |
| 304757064 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 50.7 | 50 | Per asset docs |
| 304757064 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 304757108 | XXXXX | XXXXX | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Borrower is a permanent resident alien. |
| 304757108 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Coding. |
| 304757108 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Does not include equity. |
| 304757108 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 19.8 | 20 | Rounding. |
| 304757108 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding. |
| 304757073 | XXXXX | XXXXX | Borrower 1 FTHB | TRUE | N | Per XXX |
| 304757073 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 304757073 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 7.7 | 12 | Per asset statements minus reserves |
| 304757073 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| 304757073 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| 304757093 | XXXXX | XXXXX | Borrower 1 Total Years Employment/Self-Employment Verified | 24+ Months | 12-23 Months | Per loan approval |
| 304757093 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per loan approval |
| 304757093 | XXXXX | XXXXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 304757093 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| 304757093 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 26 | 25 | Rounding |
| 304757093 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Rounding |
| 304757093 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Rounding |
| 304757093 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 304757074 | XXXXX | XXXXX | Borrower 1 FTHB | TRUE | N | Per Final XXXX |
| 304757074 | XXXXX | XXXXX | Originator Doc Type | 12 Month Bank Statement | ALT DOC | Per Loan Approval |
| 304757074 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset documentation, less EMD |
| 304757074 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 5.93 | 7 | Per asset documentation and housing expense |
| 304757074 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 304866916 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial XXXX. |
| 304866916 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed with P&L Statement and Credit Report. |
| 304757168 | XXXXX |  | MIN No | XXX | XXX | Per the Security Instrument |
| 304757168 | XXXXX |  | Qualifying FICO | XXX | XXX | Per the Credit report |
| 304757168 | XXXXX |  | Qualifying LTV | 79.95 | 79.96 | Rounding |
| 304757168 | XXXXX |  | Qualifying CLTV | 79.95 | 79.96 | Rounding |
| 304757168 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304735951 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304757145 | XXXXX |  | MIN No | XXX | XXX | Security Instrument |
| 304757145 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXXX |
| 304757145 | XXXXX |  | Property Value | $XXX | $XXX | Appraisal |
| 304757145 | XXXXX |  | Property Type | PUD | Single Family Detached | Appraisal and Security Instrument |
| 304757145 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | XXX months bank stmt income and liailities. |
| 304735891 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304756934 | XXXXX |  | Property Address | XXX | XXX | Confirmed with Note. |
| 304756934 | XXXXX |  | ULI | XXX | XXX | Confirmed with Final XXX. |
| 304756934 | XXXXX |  | Qualifying Total Reserves Number of Months | 78.62 | 72.36 | Confirmed with bank statements provided. |
| 304756934 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed with Income documentation and Credit Report. Audit income is higher than XXX but matches final XXXs. Documentation to support income used. |
| 304757166 | XXXXX |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified to Note |
| 304757166 | XXXXX |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified to Note |
| 304757166 | XXXXX |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified to Note |
| 304757166 | XXXXX |  | MIN No | XXX | XXX | Verified to Mortgage |
| 304757166 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Based on verified income and total debts |
| 304756992 | XXXXX |  | MIN No | XXX | XXX | Verified to Mortgage |
| 304756992 | XXXXX |  | Verified Doc Type | 1YR Business P&L | Business P&L | Per lock confirmation |
| 304756992 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Based on verified income and total debts |
| 304704608 | XXXXX |  | Number of Borrowers | 1 | coming soon | Per note |
| 304704608 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304704608 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304756935 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXXX |
| 304756935 | XXXXX |  | Property Value | $XXX | $XXX | Verified with the appraisal |
| 304756935 | XXXXX |  | Qualifying Total Reserves Number of Months | 6.52 | 6.99 | Verified with the assets. |
| 304756935 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304757803 | XXXXX |  | Number of Borrowers | 2 | 1 | There are X borrowers per Note. |
| 304757803 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial loan application shows the Loan Originator signature date as XX/XX/XXXX. |
| 304757258 | XXXXX |  | Qualifying Total Reserves Number of Months | 7.44 | 7.04 | Per CD |
| 304757258 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 304757231 | XXXXX |  | Qualifying Total Reserves Number of Months | 96.02 | 96.03 | Per The assets |
| 304757231 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304756962 | XXXXX |  | MIN No | XXX | XXX | Confirmed with Deed of Trust. |
| 304756962 | XXXXX |  | Property Value | $XXX | $XXX | Confirmed with Appraisal Report. |
| 304756962 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Confirmed with bank statements provided for income verification and Credit Report. |
| 304756979 | XXXXX |  | Property Address | XXX | XXX | Per Note |
| 304756979 | XXXXX |  | Property County | Lee | Unincorporated A | Per Mortgage |
| 304756979 | XXXXX |  | MIN No | XXX | XXX | Per Note |
| 304756979 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as property value since it is lower than the appraised value |
| 304756979 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 304866910 | XXXXX | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Loan was approved under the DSCR program. |
| 304866910 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Audit data is based on asset statements verified in file. |
| 304866910 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 7.28 | 13 | Audit data is based on asset statements verified in file. |
| 304866910 | XXXXX | XXXXX | Total Liquid Assets Available For Close | $XXX | $XXX | Audit data is based on asset statements verified in file. |
| 304866910 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | \*\* Credit UW does not have access to this screen. |
| 304756933 | XXXXX |  | MIN No | XXX | XXX | Confirmed with Deed of Trust. |
| 304756933 | XXXXX |  | Qualifying Total Reserves Number of Months | 13.82 | 14.42 | Confirmed with bank statements provided. |
| 304756902 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Verified with the Note |
| 304756902 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXXX |
| 304756902 | XXXXX |  | Qualifying Total Reserves Number of Months | 68.87 | 55.07 | Verified with the assets |
| 304756902 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304756911 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXXX |
| 304756911 | XXXXX |  | Property Value | $XXX | $XXX | Appraisal |
| 304756911 | XXXXX |  | Qualifying Total Reserves Number of Months | 11.38 | 10.95 | Per the assets provided |
| 304756911 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304757170 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Verified per borrower ID |
| 304757170 | XXXXX |  | Qualifying Total Reserves Number of Months | 4.49 | 3.56 | Verified per assets in file |
| 304757170 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified per income and liabilities |
| 304757681 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304763766 | XXXXX |  | Borrower 2 Last Name | XXXXX | XXXXX | Verified via the note and DL. |
| 304763766 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXXX. |
| 304763766 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit DTI lower due OREO rental income is positive $XXX vs. ($-XXX) used by lender. |
| 304756905 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXXX |
| 304756905 | XXXXX |  | Qualifying Total Reserves Number of Months | 0.1 | 0.01 | Per the assets |
| 304756905 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and Liabilities |
| 304812784 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304812784 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income calculation |
| 304757208 | XXXXX |  | Property Value | $XXX | $XXX | Verified to appraised value vs. purchase price. |
| 304757208 | XXXXX |  | Qualifying Total Reserves Number of Months | 17.56 | 20.31 | Verified via asset documentation provided. |
| 304757208 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Qualifying residual income verified via income and credit documentation. |
| 304735926 | XXXXX |  | Number of Borrowers | 2 | coming soon | Per note |
| 304735926 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304735926 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304818145 | XXXXX |  | Number of Borrowers | 2 | 1 | Per Note |
| 304757154 | XXXXX |  | Property Value | $XXX | $XXX | Using purchase price as value, less than appraised value |
| 304757154 | XXXXX |  | MIN No | XXX | XXX | Per MIN on Mortgage |
| 304757154 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial XXXX |
| 304757154 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income less expenses |
| 304812802 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304812802 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per P&I calculation |
| 304812802 | XXXXX |  | Loan Product Type | 40 Year Fixed | NANQ / TRID - 40 Yr Fixed I/O | Per Note |
| 304816806 | XXXXX |  | Qualifying Total Reserves Number of Months | 8.31 | 7.21 | Verified via asset documentation provided. |
| 304816806 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Qualifying residual income verified via income and credit documentation. |
| 304816784 | XXXXX |  | Verified Doc Type | Asset Depletion – Debt Ratio Calculation | Asset Depletion | Same |
| 304816784 | XXXXX |  | Qualifying Total Reserves Number of Months | 93.5 | 101.29 | Cash Out |
| 304816784 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304812667 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304812667 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304818111 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304818111 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per Income calculation |
| 304818099 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304818099 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304818096 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304817989 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| 304818090 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| 304818090 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304735866 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304818130 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304818130 | XXXXX |  | Property Value | $XXX | $XXX | per appraisal value |
| 304818130 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 304818117 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304763753 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | BX XX month bank statements Lender used $XXX with a XXX% expense ratio. Audit used $XXX with a XXX% expense ratio based on the S/E Questionnaire. Audit also excluded $XXX more in deposits for the month of XXX, $XXX in XXX, $XXX, in XXX $XXX in XXX, $XXX in XXX $XXX in XXX and $XXX in XXX of XXX. The DTI increased from XXX% to XXX%. |
| 304823780 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304823780 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | per income and debts |
| 304828002 | XXXXX |  | MIN No | XXX | XXX | Verified with the Security Instrument |
| 304828002 | XXXXX |  | Property Value | $XXX | $XXX | Verified with the appraisal |
| 304828002 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | verified with eSign consent |
| 304828002 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304823675 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304823675 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304823675 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debt calculation |
| 304823675 | XXXXX |  | Loan Product Type | 30 Year Fixed | NANQ/TRID - 30 Yr Fixed - BD | Per Note |
| 304812621 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXX. |
| 304812621 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit DTI higher due to borrower's income. Income calculation is lower due to deductions. |
| 304823802 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Verified via initial XXXX. |
| 304823802 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | XXX DTI is XXX%. Audit DTI higher than XXX due to lender using XXX mos. of income for qualification vs. XXX mos. |
| 304818081 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304818081 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income calculation |
| 304818114 | XXXXX |  | Occupancy | Second Home | Primary Residence | Per XXXX |
| 304818114 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304818114 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304818114 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304812743 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Per Note |
| 304812743 | XXXXX |  | Number of Borrowers | 2 | 1 | Per Note |
| 304812743 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXXX |
| 304812743 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304812743 | XXXXX |  | Qualifying LTV | 62.98 | 65.78 | Per Appraisal |
| 304812743 | XXXXX |  | Qualifying CLTV | 62.98 | 65.78 | Per Appraisal |
| 304812743 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income and debt calculation as well as XXX |
| 304812654 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXX |
| 304812819 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304812819 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income and verified from XXX |
| 304812726 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304812726 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per final CCD |
| 304812726 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | per debts and income. DTI matches XXX |
| 304823800 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304823800 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304828066 | XXXXX |  | ULI | XXX | XXX | Per XXXX |
| 304828066 | XXXXX |  | Verified Doc Type | 2YR Full Doc | 12 Month Bank Statement | Per employment data |
| 304828066 | XXXXX |  | Qualifying FICO | XXX | XXX | Per CR |
| 304828066 | XXXXX |  | Qualifying Total Reserves Number of Months | 12 | 11.46 | Per assets |
| 304828066 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per guides |
| 304828086 | XXXXX |  | Property Value | $XXX | $XXX | Using Purchase price as property value since it is lower than the appraised value |
| 304828086 | XXXXX |  | Qualifying Total Reserves Number of Months | 43.51 | 44.47 | Per assets |
| 304828086 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per monthly income less all debts |
| 304828068 | XXXXX |  | Prepayment Penalty Total Term | 12 | 60 | Per the Prepayment Addendum and final CD |
| 304828068 | XXXXX |  | Qualifying Total Reserves Number of Months | 11.94 | 12.78 | Per the assets |
| 304828068 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Income and liabilities |
| 304817944 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304817944 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304817944 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304817976 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | per note capitalization |
| 304817976 | XXXXX |  | Borrower 1 First Name | XXX | XXX | per note capitalization |
| 304817976 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 304817976 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per final CD |
| 304817976 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | per income and debts |
| 304823450 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304823804 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Confirmed with Note and Borrower's ID. |
| 304823804 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial XXXX. |
| 304823804 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. |
| 304823804 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Confirmed with Income documentation and Credit Report. The Lender did not include the Global Lending Service account in the DTI. No explanation was given. |
| 304823820 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304823820 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304817945 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304817945 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304866898 | XXXXX | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 304866898 | XXXXX | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 304866898 | XXXXX | XXXXX | Originator Doc Type | Debt Service Coverage Ratio | Other | Per loan approval |
| 304866898 | XXXXX | XXXXX | Total Qualified Assets Available | $XXX | $XXX | Per asset statements minus reserves |
| 304866898 | XXXXX | XXXXX | Qualifying Total Reserves Number of Months | 87.7 | 87 | Rounding |
| 304866898 | XXXXX | XXXXX | Qualifying Total Monthly Liabilities | $XXX | $XXX | Per liabilities from credit report |
| 304866898 | XXXXX | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 304844139 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. |
| 304844139 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Confirmed with bank statements provided for income verification and Credit Report. Audited DTI matches Final XXX. |
| 304844027 | XXXXX |  | Property Address | XXX | XXX | Per note |
| 304844027 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304844027 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304844150 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304844150 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital XXXX |
| 304844060 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 304844060 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304844060 | XXXXX |  | Loan Product Type | 30 Year Fixed | NANQ/TRID - 30 Yr Fixed - BD | Per CD |
| 304818019 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per Note |
| 304818019 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304818019 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 304828065 | XXXXX |  | Property Value | $XXX | $XXX | Appraisal confirms value of $XXXK vs sales price of $XXXK. |
| 304828065 | XXXXX |  | Qualifying Total Reserves Number of Months | 6.42 | 6.92 | Audit confirms verified remaining assets/PITI = reserves. |
| 304828065 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Audit confirms verified income minus debts = residual income. |
| 304844010 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXXX |
| 304844010 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304843989 | XXXXX |  | Property Address | XXX | XXX | Per note |
| 304843989 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304823490 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXX |
| 304823689 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Final Closing Disclosure. |
| 304823689 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with Initial XXX. |
| 304823828 | XXXXX |  | Property Address | XXX | XXX | Note confirms address is without punctuation. |
| 304823828 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial XXX confirms loan originator signature date as application date. |
| 304823757 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Note confirms borrower's first name. SOP is using lower and upper case. |
| 304823757 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Note confirms borrower's last name. SOP is using lower and upper case. |
| 304823757 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | The Initial XXX confirms loan originator signature date as app date. |
| 304817948 | XXXXX |  | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 304817948 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial XXX |
| 304817948 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per income and debt and XXX |
| 304843945 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Last name confirmed by Note, DL, Passport, and XXX's. |
| 304843945 | XXXXX |  | Loan Product Type | 15 Year Fixed | NANQ / TRID - 15 Yr Fixed | The Note confirms term of XX years. |
| 304818018 | XXXXX |  | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| 304818018 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per XXX |
| 304818018 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Per debts vs income |
| 304827967 | XXXXX |  | MIN No | XXX | XXX | Per the Security Instrument |
| 304827967 | XXXXX |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial XXXX and the eSign Documents |
| 304827967 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Per the Income and liabilities |
| 304828026 | XXXXX |  | Property Value | $XXX | $XXX | Verified with the appraisal |
| 304828026 | XXXXX |  | Qualifying Total Reserves Number of Months | 29.7 | 29.25 | Verified with the most recent asset statement |
| 304828026 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified with income and liabilities |
| 304843895 | XXXXX |  | Property Value | $XXX | $XXX | Appraisal confirms value of $XXXK vs sales price of $XXXK. |
| 304843895 | XXXXX |  | Qualifying Total Debt Income Ratio | $XXX | $XXX | Audit confirmed debts and income with slight variance. No material impact. |
| 304866879 | XXXXX |  | Property Value | $XXX | $XXX | Verified by the appraisal |
| 304866879 | XXXXX |  | Qualifying FICO | XXX | XXX | Verified by the credit report |
| 304866879 | XXXXX |  | Qualifying All Borrower Residual Income | $XXX | $XXX | Verified by the income and debt |
| 304866927 | XXXXX |  | Qualifying Total Reserves Number of Months | 12.01 | 11.37 | Verified with the Most recent asset statements |

---

## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304818387 | XXXXX-10724 | 9/11/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance coverage < $XXX minimum coverage required | 9/11: Waived via overlay | 20250911: Waived via overlay | FICO XXX, DSCR XXX, XXX months reserves | Acknowledged | 9/11/2025 | B |
| XXX | XXXXX | 304843774 | XXXXX-11248 | 10/10/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly breakdown: $XXX income/ $XXX P&I + $XXX insurance + $XXX taxes. Please opine | 10/22: We agree, updated approval attached | 20251022: Received |  | Cleared | 10/22/2025 | C A |
| XXX | XXXXX | 304849036 | XXXXX-11256 | 10/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/10: Clear | 20251010: Clear |  | Cleared | 10/10/2025 | A |
| XXX | XXXXX | 304828124 | XXXXX-11300 | 10/14/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/17 XXX: please see attached | 20251017: Received |  | Cleared | 10/17/2025 | C A |
| XXX | XXXXX | 304839435 | XXXXX-11325 | 10/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/15: Clear | 20251015: Clear |  | Cleared | 10/15/2025 | A |
| XXX | XXXXX | 304861543 | XXXXX-11332 | 10/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/15: Clear | 20251015: Clear |  | Cleared | 10/15/2025 | A |
| XXX | XXXXX | 304852960 | XXXXX-11333 | 10/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/15: Clear | 20251015: Clear |  | Cleared | 10/15/2025 | A |
| XXX | XXXXX | 304839433 | XXXXX-11334 | 10/15/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/15: Waived | 20251015: Waived via overlay | LTV XXX% ,XXX months reserves, FICO XXX | Acknowledged | 10/15/2025 | B |
| XXX | XXXXX | 304839432 | XXXXX-11336 | 10/15/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/15: Waived | 20251015: Waived via overlay | LTV XXX% ,XXX months reserves, FICO XXX | Acknowledged | 10/15/2025 | B |
| XXX | XXXXX | 304848623 | XXXXX-11338 | 10/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/15: Clear | 20251015: Clear |  | Cleared | 10/15/2025 | A |
| XXX | XXXXX | 304852955 | XXXXX-11343 | 10/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/15: Clear | 20251015: Clear |  | Cleared | 10/15/2025 | A |
| XXX | XXXXX | 304840440 | XXXXX-11347 | 10/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/15: Clear | 20251015: Clear |  | Cleared | 10/15/2025 | A |
| XXX | XXXXX | 304858947 | XXXXX-11348 | 10/15/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Missing letter of explanation for credit inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX | 10/28 tm: attached | 20251028: Received |  | Cleared | 10/28/2025 | D A |
| XXX | XXXXX | 304858947 | XXXXX-11350 | 10/15/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | 10/28 tm: A field review was provided | 20251028: Received |  | Cleared | 10/28/2025 | D A |
| XXX | XXXXX | 304828125 | XXXXX-11351 | 10/15/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy in file does not include mortgagee clause. Please provide updated policy with ISAOA/ATIMA verbiage after lenders' name. | 10/16/25 - XXX: Please see attached. | 20251016: Received |  | Cleared | 10/16/2025 | C A |
| XXX | XXXXX | 304825106 | XXXXX-11360 | 10/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/16: Clear | 20251016: Clear |  | Cleared | 10/16/2025 | A |
| XXX | XXXXX | 304828851 | XXXXX-11361 | 10/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/16: Clear | 20251016: Clear |  | Cleared | 10/16/2025 | A |
| XXX | XXXXX | 304833269 | XXXXX-11366 | 10/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/16: Clear | 20251016: Clear |  | Cleared | 10/16/2025 | A |
| XXX | XXXXX | 304759810 | XXXXX-11378 | 10/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/16: Clear | 20251016: Clear |  | Cleared | 10/16/2025 | A |
| XXX | XXXXX | 304848290 | XXXXX-11387 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304852005 | XXXXX-11390 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304844590 | XXXXX-11391 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304840853 | XXXXX-11392 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304845649 | XXXXX-11400 | 10/20/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount. | 10/20: Waived | 20251020: Waived via overlay | DSCR XXX, X,XXXX months reserves, FICO XXX | Acknowledged | 10/20/2025 | B |
| XXX | XXXXX | 304871587 | XXXXX-11401 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304860684 | XXXXX-11402 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304856472 | XXXXX-11403 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304852947 | XXXXX-11406 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304846893 | XXXXX-11407 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304847530 | XXXXX-11411 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304871579 | XXXXX-11414 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304823121 | XXXXX-11417 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304858414 | XXXXX-11419 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304845367 | XXXXX-11425 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304828122 | XXXXX-11429 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304858390 | XXXXX-11433 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304779916 | XXXXX-11434 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304865050 | XXXXX-11437 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304871585 | XXXXX-11439 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304871590 | XXXXX-11443 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304851990 | XXXXX-11444 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304871581 | XXXXX-11447 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304848122 | XXXXX-11448 | 10/17/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 10/17: Waived | 20251017: Waived via overlay | DSCR XXX , XXX months reserves, XXX FICO | Acknowledged | 10/17/2025 | B |
| XXX | XXXXX | 304871578 | XXXXX-11452 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304838909 | XXXXX-11453 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304871583 | XXXXX-11454 | 10/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/20: Clear | 20251020: Clear |  | Cleared | 10/20/2025 | A |
| XXX | XXXXX | 304852958 | XXXXX-11456 | 10/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/17: Clear | 20251017: Clear |  | Cleared | 10/17/2025 | A |
| XXX | XXXXX | 304841511 | XXXXX-11462 | 10/21/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment in file is missing lender's name. Please provide updated title policy with lender's name & ISAOA/ATIMA verbiage | 10/24: Title Commitment | 20251024: Received |  | Cleared | 10/24/2025 | C A |
| XXX | XXXXX | 304848985 | XXXXX-11464 | 10/21/2025 | Credit | Asset Documentation | Undocumented Large Deposit/Increase | Missing Letter of Explanation for large deposits of $XXX into XXX account #XXX. | 10/22 XXX: Please note that a letter of explanation is not required. The borrower transferred money from their XXX investment account into their XXX checking account. A copy of the XXX account was provided to fully document the large deposits, the withdrawal of funds is documented in the XXX transaction history provided below. XXX statement was also provided to show that the borrower owns the account. | 20251023: Source of large deposits received |  | Cleared | 10/23/2025 | C A |
| XXX | XXXXX | 304860666 | XXXXX-11468 | 10/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/22: Clear | 20251022: Clear |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304871589 | XXXXX-11471 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304865073 | XXXXX-11475 | 10/21/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/24 XXX: please see attached | 20251024: Received |  | Cleared | 10/24/2025 | C A |
| XXX | XXXXX | 304871582 | XXXXX-11477 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304844768 | XXXXX-11485 | 10/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/21: Waived | 20251021: Waived via overlay | DSCR XXX, XXX FICO, LTV XXX% | Acknowledged | 10/21/2025 | B |
| XXX | XXXXX | 304865410 | XXXXX-11494 | 10/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/22: Clear | 20251022: Clear |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304860215 | XXXXX-11495 | 1/0/1900 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/22: Waived | 20251022: Waived via overlay | DSCR XXX, XXX FICO, LTV XXX% | Acknowledged | 10/22/2025 | B |
| XXX | XXXXX | 304865071 | XXXXX-11496 | 10/22/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/24 XXX: please see attached | 20251024: Received |  | Cleared | 10/24/2025 | C A |
| XXX | XXXXX | 304840830 | XXXXX-11501 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304847536 | XXXXX-11503 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304860686 | XXXXX-11506 | 10/21/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing two months consecutive bank statements for XXX account #XXX | 10/22 XXX: Please note that the XXX account was a brand new account that was opened by the borrower in XXX. The borrower transferred $XXX from XXX to open the new account XXX. Since XXX is brand new and does not yet have two months, the funds that were used to open the new account were documented and sourced for 60 days in order to meet the investor requirement. Please see that we have attached two months statements of XXX to source the funds used to open the new account, XXX. | 20251023: Source and 60-day seasoning of assets received |  | Cleared | 10/23/2025 | D A |
| XXX | XXXXX | 304846883 | XXXXX-11511 | 10/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/21: Waived | 20251021: Waived via overlay | LTV XXX% , XXX FICO, DSCR XXX | Acknowledged | 10/21/2025 | B |
| XXX | XXXXX | 304849343 | XXXXX-11513 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304846862 | XXXXX-11514 | 10/21/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/28/25 - XXX: Please see attached. | 20251028: Received |  | Cleared | 10/28/2025 | C A |
| XXX | XXXXX | 304855021 | XXXXX-11519 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304848284 | XXXXX-11520 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304865063 | XXXXX-11522 | 10/21/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing ISAOA/ATIMA verbiage in the mortgagee clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/27 XXX: please see attached | 20251027: Received |  | Cleared | 10/27/2025 | C A |
| XXX | XXXXX | 304871577 | XXXXX-11523 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304862110 | XXXXX-11525 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304871584 | XXXXX-11531 | 10/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/21: Clear | 20251021: Clear |  | Cleared | 10/21/2025 | A |
| XXX | XXXXX | 304865070 | XXXXX-11533 | 10/28/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard Insurance missing XXX as additional interested party and missing the ISAOA/ATIMA clause. | 10/28:please see attached showing building/dwelling and updated mortgagee clause | 20251028: Received |  | Cleared | 10/28/2025 | C A |
| XXX | XXXXX | 304865072 | XXXXX-11535 | 10/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/22: Clear | 20251022: Clear |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304848627 | XXXXX-11536 | 10/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/22: Clear | 20251022: Clear |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304848624 | XXXXX-11538 | 10/21/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing two months consecutive bank statements for XXX account #XXX | 10/22: Please see the attached statement that covers the dates XX/XX/XXXX-XX/XX/XXXX. This does meet the two month requirement. | 20251022: Received |  | Cleared | 10/22/2025 | C A |
| XXX | XXXXX | 304843776 | XXXXX-11539 | 10/21/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing ISAOA/ATIMA verbiage in the mortgagee clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/27 XXX: Please see attached document | 20251027: Received |  | Cleared | 10/27/2025 | C A |
| XXX | XXXXX | 304844768 | XXXXX-11540 | 10/21/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XXX 10/23: Please see the attached // | 20251024: Confirmed 12-month PPP |  | Cleared | 10/24/2025 | C A |
| XXX | XXXXX | 304843776 | XXXXX-11541 | 10/21/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided Title Insurance is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name XXX | 10/21: Waived | 20251021: Waived via overlay | DSCR XXX , XXX months reserves, XXX FICO | Acknowledged | 10/21/2025 | B |
| XXX | XXXXX | 304852004 | XXXXX-11543 | 10/21/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title commitment in file is missing lender's name. Please provide updated title policy with lender's name & ISAOA/ATIMA verbiage | 10/29: Title Policy | 20251029: Received |  | Cleared | 10/29/2025 | C A |
| XXX | XXXXX | 304852004 | XXXXX-11544 | 10/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/21: Waived | 20251021: Waived via overlay | DSCR XXX , XXX months reserves, XXX FICO | Acknowledged | 10/21/2025 | B |
| XXX | XXXXX | 304846407 | XXXXX-11546 | 10/22/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing EIN number for XXX . | 10/23 XXX: please see attached CPA letter confirming the Employer Identification Number | 20251023: Received |  | Cleared | 10/23/2025 | C A |
| XXX | XXXXX | 304846882 | XXXXX-11548 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304868245 | XXXXX-11549 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304846515 | XXXXX-11550 | 10/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/23: Waived | 20251023: Waived via overlay | FICO XXX, LTV XXX%, XXXX months reserves | Acknowledged | 10/23/2025 | B |
| XXX | XXXXX | 304844754 | XXXXX-11551 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304848628 | XXXXX-11552 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304844772 | XXXXX-11553 | 10/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/23: Waived | 20251023: Waived via overlay | DSCR XXX, FICO XXX, XXX months reserves | Acknowledged | 10/23/2025 | B |
| XXX | XXXXX | 304858953 | XXXXX-11554 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304843778 | XXXXX-11555 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304846402 | XXXXX-11556 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304852948 | XXXXX-11557 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304860214 | XXXXX-11558 | 10/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/23: Waived | 20251023: Waived via overlay | DSCR XXX, FICO XXX, LTV XXX% | Acknowledged | 10/23/2025 | B |
| XXX | XXXXX | 304868116 | XXXXX-11561 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304828921 | XXXXX-11562 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304857391 | XXXXX-11564 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304868114 | XXXXX-11565 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304858954 | XXXXX-11566 | 10/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/22: Clear | 20251022: Clear |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304846319 | XXXXX-11567 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304824142 | XXXXX-11569 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304845371 | XXXXX-11570 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304756745 | XXXXX-11571 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304846305 | XXXXX-11572 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304865069 | XXXXX-11575 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304840439 | XXXXX-11576 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304840981 | XXXXX-11578 | 10/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/23: Clear | 20251023: Clear |  | Cleared | 10/23/2025 | A |
| XXX | XXXXX | 304820203 | XXXXX-11579 | 10/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/22: Clear | 20251022: Clear |  | Cleared | 10/22/2025 | A |
| XXX | XXXXX | 304860215 | XXXXX-11581 | 10/22/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Please provide updated closing package for "XXX". Note and Mortgage are signed in the name of "XXX". | 10/23 XXX: Please note that the business is registered with the State of XXX and is recognized on public record by both "XXX" and "XXX." Please see the attached documentation to confirm this. | 20251023: Received cross referenced name from the state |  | Cleared | 10/23/2025 | D A |
| XXX | XXXXX | 304846239 | XXXXX-11585 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304843290 | XXXXX-11586 | 10/24/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | 10/24: Waived | 20251024: Waived via overlay | FICO XXX, XXX months reserves, LTV XXX% | Acknowledged | 10/24/2025 | B |
| XXX | XXXXX | 304845382 | XXXXX-11590 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304840869 | XXXXX-11593 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304865138 | XXXXX-11594 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304868292 | XXXXX-11596 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304843728 | XXXXX-11598 | 10/24/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly breakdown: $XXX income / $XXX P&I + $XXX Taxes + $XXX Insurance. Please opine. | 10/29: see page 771 of the original package. It shows the UW worksheet showing 1. | 20251029: Confirmed DSCR XXX |  | Cleared | 10/29/2025 | C A |
| XXX | XXXXX | 304849341 | XXXXX-11599 | 10/24/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 10/24: Waived | 20251024: Waived via overlay | DSCR XXX, FICO XXX, XXX months reserves | Acknowledged | 10/24/2025 | B |
| XXX | XXXXX | 304868110 | XXXXX-11600 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304858411 | XXXXX-11602 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304852006 | XXXXX-11604 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304848117 | XXXXX-11607 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304842892 | XXXXX-11611 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304868293 | XXXXX-11613 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304856480 | XXXXX-11618 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304867878 | XXXXX-11620 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304865208 | XXXXX-11622 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304865137 | XXXXX-11624 | 10/27/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 10/27: Title Policy | 20251027: Received |  | Cleared | 10/27/2025 | C A |
| XXX | XXXXX | 304865424 | XXXXX-11626 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304826971 | XXXXX-11627 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304840866 | XXXXX-11628 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304862132 | XXXXX-11637 | 10/27/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | 10/27: Waived | 20251027: Waived via overlay | DSCR XXX, FICO XXX, XXX months reserves | Acknowledged | 10/27/2025 | B |
| XXX | XXXXX | 304846991 | XXXXX-11640 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304846888 | XXXXX-11641 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304846408 | XXXXX-11644 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304823119 | XXXXX-11645 | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/27: Clear | 20251027: Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304867879 | XXXXX-11646 | 10/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/24: Clear | 20251024: Clear |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304868112 | XXXXX-11664 | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/28: Clear | 20251028: Clear |  | Cleared | 10/28/2025 | A |
| XXX | XXXXX | 304095987 | XXXXX-441 | 2/5/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/5: Clear | 20240205: Clear |  | Cleared | 2/5/2024 | A |
| XXX | XXXXX | 304351713 | XXXXX-2408 | 6/28/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum required. | 6/28: Waived per XXX | 20240628: Waived per XXX | LTV XXX, FICO XXX, DSCR XXX | Acknowledged | 6/28/2024 | B |
| XXX | XXXXX | 304420823 | XXXXX-4794 | 10/29/2024 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for property located at: XXX | 20241031: Please see attached CDA | 20241031: Received |  | Cleared | 10/31/2024 | D A |
| XXX | XXXXX | 304459054 | XXXXX-5856 | 12/5/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/5: Clear | 20241205: Clear |  | Cleared | 12/5/2024 | A |
| XXX | XXXXX | 304390747 | XXXXX-6182 | 12/17/2024 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing corporate resolution for XXX | 12/19 XXX: Please see attached document | 20241220: Received |  | Cleared | 12/20/2024 | D A |
| XXX | XXXXX | 304477566 | XXXXX-7050 | 1/27/2025 | Credit | Title/Lien | Title/Lien | $XXX title insurance coverage < $XXX minimum coverage required | 1/29 XXX please see attached please clear thank you<br> 1/28 XXX please see attached please clear thank you | 20250129: Received<br> 20250128: Marked up title cannot be accepted, please provide updated title |  | Cleared | 1/29/2025 | C A |
| XXX | XXXXX | 304510940 | XXXXX-7426 | 2/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/28: Clear | 20250228: Clear |  | Cleared | 2/28/2025 | A |
| XXX | XXXXX | 304481754 | XXXXX-6874 | 2/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/7: Clear | 20250207: Clear |  | Cleared | 2/7/2025 | A |
| XXX | XXXXX | 304462087 | XXXXX-7105 | 1/29/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing conveyance deed from XXX to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/17/2025 | D A |
| XXX | XXXXX | 304462087 | XXXXX-7117 | 1/29/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment Schedule A Item X(b) is missing mortgagee clause after lender's name. Please provide updated title policy with ISAOA/ATIMA | 2/14 XXX - Within the ALTA Loan Policy of Title Insurance 2021 v. 01.00 (7-1-2021) language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, as it is the successor or assignee.<br> 3/3: Waived via email | 20250214: Please provide title insurance with mortgagee clause<br> 20250303: Waived via email | DSCR XXX, LTV XXX%. FICO XXX | Acknowledged | 3/3/2025 | C B |
| XXX | XXXXX | 304641858 | XXXXX-7733 | 3/12/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 3/18: please see attached | 20250318: Received title insurance |  | Cleared | 3/18/2025 | C A |
| XXX | XXXXX | 304492770 | XXXXX-7950 | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/20: Clear | 20250320: Clear |  | Cleared | 3/20/2025 | A |
| XXX | XXXXX | 304679544 | XXXXX-8358 | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/11: Clear | 20250411: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXXXX | 304678940 | XXXXX-8391 | 4/15/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | 4/23: Waived via XXX email | 20250423: Waived via XXX email | FICO XXX, LTV XXX%, months reserves XXXX | Acknowledged | 4/23/2025 | B |
| XXX | XXXXX | 304671551 | XXXXX-8551 | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/22: Clear | 20250422: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXXXX | 304682195 | XXXXX-8410 | 4/15/2025 | Credit | Ineligible Property | Hazard Insurance Missing or Defective | Hazard insurance policy is missing with mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 7/9: attached | 20250710: Received |  | Cleared | 7/10/2025 | C A |
| XXX | XXXXX | 304678941 | XXXXX-8720 | 4/29/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lenders' name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 5/11 tm: Attached | 20250512: Received |  | Cleared | 5/12/2025 | D A |
| XXX | XXXXX | 304686776 | XXXXX-8779 | 5/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/1: Clear | 20250501: Clear |  | Cleared | 5/1/2025 | A |
| XXX | XXXXX | 304676846 | XXXXX-8927 | 5/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/9: Clear | 20250559: Clear |  | Cleared | 5/9/2025 | A |
| XXX | XXXXX | 304704512 | XXXXX-9094 | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXXXX | 304704977 | XXXXX-9125 | 5/21/2025 | Credit | Closing Documentation | Sales Contract Missing or Defective | Purchase contract has incorrect sales price of $XXX. Please provide updated purchase contract reflecting correct purchase price. | 5/29: Please see attached docs | 20250530: Received |  | Cleared | 5/30/2025 | C A |
| XXX | XXXXX | 304694290 | XXXXX-9262 | 5/29/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Missing XXXXD Report For Subject Property : XXX | 5/30: The appraisal was not subject to a 1004D, it was subject to an inspection by a professional. The inspection was provided and confirmed there were no health or safety hazards. | 20250602: Rescinded |  | Cleared | 6/2/2025 | D A |
| XXX | XXXXX | 304696895 | XXXXX-9270 | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/30: Clear | 20250530: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXXXX | 304695765 | XXXXX-9282 | 5/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/30: Clear | 20250530: Clear |  | Cleared | 5/30/2025 | A |
| XXX | XXXXX | 304695772 | XXXXX-9306 | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/2: Clear | 20250602: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXXXX | 304695764 | XXXXX-9307 | 6/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/2: Clear | 20250602: Clear |  | Cleared | 6/2/2025 | A |
| XXX | XXXXX | 304701023 | XXXXX-9321 | 6/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/03: Clear | 20250603: Clear |  | Cleared | 6/3/2025 | A |
| XXX | XXXXX | 304704840 | XXXXX-9418 | 6/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/9: Clear | 6/9: Clear |  | Cleared | 6/9/2025 | A |
| XXX | XXXXX | 304692692 | XXXXX-9420 | 6/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/9: Clear | 6/9: Clear |  | Cleared | 6/9/2025 | A |
| XXX | XXXXX | 304712960 | XXXXX-9433 | 6/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/10: Clear | 6/10: Clear |  | Cleared | 6/10/2025 | A |
| XXX | XXXXX | 304700357 | XXXXX-9452 | 6/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/11: Clear | 20250611: Clear |  | Cleared | 6/11/2025 | A |
| XXX | XXXXX | 304698305 | XXXXX-9470 | 6/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/12: Clear | 20250612: Clear |  | Cleared | 6/12/2025 | A |
| XXX | XXXXX | 304716859 | XXXXX-9581 | 6/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/23: Clear | 20250623: Clear |  | Cleared | 6/23/2025 | A |
| XXX | XXXXX | 304700351 | XXXXX-9582 | 6/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/23: Clear | 20250623: Clear |  | Cleared | 6/23/2025 | A |
| XXX | XXXXX | 304700918 | XXXXX-9620 | 6/24/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage is < $XXX of minimum coverage required | 6/24: Waived via overlay | 20250624: Waived via overlay | FICO XXX, XXXX months reserves, LTV XXX% | Acknowledged | 6/24/2025 | B |
| XXX | XXXXX | 304710584 | XXXXX-9623 | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/24: Clear | 20250624: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXXXX | 304727115 | XXXXX-9628 | 6/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/24: Clear | 20250624: Clear |  | Cleared | 6/24/2025 | A |
| XXX | XXXXX | 304728728 | XXXXX-9639 | 6/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/25: Clear | 20250625: Clear |  | Cleared | 6/25/2025 | A |
| XXX | XXXXX | 304727787 | XXXXX-9659 | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/26: Clear | 20250626: Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXXXX | 304727773 | XXXXX-9676 | 6/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/27: Clear | 20250627: Clear |  | Cleared | 6/27/2025 | A |
| XXX | XXXXX | 304727945 | XXXXX-9684 | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 6/30: Clear | 20250630: Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXXXX | 304730181 | XXXXX-9742 | 7/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | 7/2: Waived via overlay | 20250702: Waived via overlay | FICO XXX, XXX months reserves, DSCR XXX | Acknowledged | 7/2/2025 | B |
| XXX | XXXXX | 304728744 | XXXXX-9761 | 7/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/3: Clear | 20250703: Clear |  | Cleared | 7/3/2025 | A |
| XXX | XXXXX | 304724011 | XXXXX-9778 | 7/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/8: Clear | 20250708: Clear |  | Cleared | 7/8/2025 | A |
| XXX | XXXXX | 304732972 | XXXXX-9842 | 7/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/10: Clear | 20250710: Clear |  | Cleared | 7/10/2025 | A |
| XXX | XXXXX | 304731281 | XXXXX-9882 | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/14: Clear | 20250714: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXXXX | 304710908 | XXXXX-9887 | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/14: Clear | 20250714: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXXXX | 304729946 | XXXXX-9888 | 7/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/14: Clear | 20250714: Clear |  | Cleared | 7/14/2025 | A |
| XXX | XXXXX | 304734772 | XXXXX-9953 | 7/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/17: Clear | 20250717: Clear |  | Cleared | 7/17/2025 | A |
| XXX | XXXXX | 304716530 | XXXXX-9547 | 6/18/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect no PPP. | 8/27: there would be no change on the mortgage. See attached Corrected CD, letter of explanation, and proof of tracking provided to borrower for this correction. | 20250827: Received |  | Cleared | 8/27/2025 | C A |
| XXX | XXXXX | 304724647 | XXXXX-9561 | 6/19/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Closing docs in file reflects incorrect borrowing entity name "XXX". Entity documentation in file display the correct entity name " XXX. Please provide updated closing package. | 9/16: please see attached resigned note, security instrument and riders. XXX does not have online access to recorded documents. So we are waiting on the county to physically mail back the recorded mortgage to the title company, and then they will mail it to us. This is going to be a timely process but the intent to record is present. Can we use the documents provided to move forward? This is a very aged finding and we are working to resolve as soon as possible.<br> 7/11: is updated recorded documentation (note, security instrument, and riders) going to suffice? Or are you requesting the entire closing package be resigned? | 20250917: Received<br> 20250711: Yes, updated recorded documentation (note, security instrument, and riders) will suffice. |  | Cleared | 9/17/2025 | D A |
| XXX | XXXXX | 304731282 | XXXXX-9797 | 7/9/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Missing appraisal XXXXD for Subject Property: XXX | 8/7: The appraisal was not subject to a 1004D, it was subject to an inspection because the appraiser is not qualified to comment on or inspect the water damaged ceiling. The inspection was provided and confirms no action is needed. | 20250807: Rescinded |  | Cleared | 8/7/2025 | D A |
| XXX | XXXXX | 304721813 | XXXXX-9821 | 7/10/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | 7/14: Please attached Final Note and PPP Addendum. Addendum is consistent with the Final CD and mortgage. | 20250714: 36 Month PPP confirmed |  | Cleared | 7/14/2025 | C A |
| XXX | XXXXX | 304721813 | XXXXX-9843 | 7/10/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Operating agreement for "XXX" does not match borrowing entity name "XXX" reflected on the mortgage and note. | 9/4: Please see attached XXX Affidavit<br> 7/21: Please advise if a XXX Affidavit will suffice to clear this finding | 20250904: Received<br> 20250721: Yes, a Scrivener's Affidavit will suffice to cleat this finding. |  | Cleared | 9/4/2025 | C A |
| XXX | XXXXX | 304733027 | XXXXX-9954 | 7/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/18: Clear | 20250718: Clear |  | Cleared | 7/18/2025 | A |
| XXX | XXXXX | 304732186 | XXXXX-9955 | 7/18/2025 | Credit | LTV or ARLTV | Excessive LTV Ratio | XXX% LTV >XXX% limit per XXX Refinance Criteria; cash out refinance transaction with a FICO of XXX & Cash out amount of XXX | 7/23: Please note that the subject transaction is delayed financing, and therefore would be underwritten to rate and term parameters. Per the investor guidelines, delayed financing transactions must be submitted as cash-out transactions but are are underwritten and priced as a rate and term refinance. The transaction is subject to the matrix restrictions of a rate and term transaction and are not subject to cash out refinance program limitations. | 20250723: Rescinded |  | Cleared | 7/23/2025 | C A |
| XXX | XXXXX | 304749957 | XXXXX-9986 | 7/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/21: Clear | 20250721: Clear |  | Cleared | 7/21/2025 | A |
| XXX | XXXXX | 304724410 | XXXXX-10001 | 7/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/22: Clear | 20250722: Clear |  | Cleared | 7/22/2025 | A |
| XXX | XXXXX | 304730178 | XXXXX-10024 | 7/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/23: Clear | 20250723: Clear |  | Cleared | 7/23/2025 | A |
| XXX | XXXXX | 304712964 | XXXXX-10093 | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/29: Clear | 20250729: Clear |  | Cleared | 7/29/2025 | A |
| XXX | XXXXX | 304750431 | XXXXX-10113 | 7/30/2025 | Property | Appraisal Documentation | Market Rent - Missing or Defective | Missing XXX to calculate DSCR for Subject property : XXX | 8/11: XXX | 20250812: Received |  | Cleared | 8/12/2025 | D A |
| XXX | XXXXX | 304758490 | XXXXX-10115 | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/30: Clear | 20250730: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXXXX | 304751789 | XXXXX-10128 | 7/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/30: Clear | 20250730: Clear |  | Cleared | 7/30/2025 | A |
| XXX | XXXXX | 304750431 | XXXXX-10130 | 7/30/2025 | Property | Appraisal Documentation | Appraisal Missing or Defective | Appraisal reflects the property as a PUD, however, security instrument is missing PUD rider. Additionally, title reflects the property isn't in a PUD. Please provide updated appraisal or rider/title | 8/20: appraisal | 20250820: Received |  | Cleared | 8/20/2025 | C A |
| XXX | XXXXX | 304750431 | XXXXX-10131 | 7/30/2025 | Property | Project Eligibility | Ineligible Property – Zoning Non-compliance | Subject property is zoned as commercial, which is ineligible per XXX purchase criteria | 8/11: Waived via email | 20250811: Waived via email | FICO XXX, LTV XXX%, XXX | Acknowledged | 8/11/2025 | C B |
| XXX | XXXXX | 304750431 | XXXXX-10132 | 7/30/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing personal guaranty | 8/11: Guaranty | 20250812: Received |  | Cleared | 8/12/2025 | D A |
| XXX | XXXXX | 304756854 | XXXXX-10136 | 7/31/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 9/5: See attached updated policy | 20250908: Received |  | Cleared | 9/8/2025 | C A |
| XXX | XXXXX | 304756845 | XXXXX-10149 | 7/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/31: Clear | 20250731: Clear |  | Cleared | 7/31/2025 | A |
| XXX | XXXXX | 304756854 | XXXXX-10157 | 7/31/2025 | Property | Project Documentation | Condo Questionnaire Missing or Defective | Missing condo questionnaire | 8/14: See attached questionnaire | 20250815: Received |  | Cleared | 8/15/2025 | D A |
| XXX | XXXXX | 304736660 | XXXXX-10158 | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/1: Clear | 20250801: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXXXX | 304745116 | XXXXX-10159 | 8/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/1: Clear | 20250801: Clear |  | Cleared | 8/1/2025 | A |
| XXX | XXXXX | 304755065 | XXXXX-10168 | 8/1/2025 | Credit | Title or Lien | Closing Protection Letter Missing or Defective | Closing protection letter is missing mortgagee clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage | 8/22: please see attached | 20250822: Received |  | Cleared | 8/22/2025 | C A |
| XXX | XXXXX | 304729322 | XXXXX-10181 | 8/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/4: Clear | 20250804: Clear |  | Cleared | 8/4/2025 | A |
| XXX | XXXXX | 304755080 | XXXXX-10211 | 8/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/5: Clear | 20250805: Clear |  | Cleared | 8/5/2025 | A |
| XXX | XXXXX | 304730146 | XXXXX-10219 | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/6: Clear | 20250806: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXXXX | 304722334 | XXXXX-10222 | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/6: Clear | 20250806: Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXXXX | 304758006 | XXXXX-10248 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304719438 | XXXXX-10251 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304754871 | XXXXX-10256 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304729325 | XXXXX-10257 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304642361 | XXXXX-10275 | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/8: Clear | 20250808: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXXXX | 304759931 | XXXXX-10285 | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/8: Clear | 20250808: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXXXX | 304758001 | XXXXX-10286 | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/8: Clear | 20250808: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXXXX | 304759930 | XXXXX-10290 | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/8: Clear | 20250808: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXXXX | 304750455 | XXXXX-10297 | 8/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/11: Clear | 20250811: Clear |  | Cleared | 8/11/2025 | A |
| XXX | XXXXX | 304757917 | XXXXX-10299 | 8/11/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | 8/11: Waived via overlay | 20250811: Waived via overlay | DSCR XXX, FICO XXX, XXX months reserves | Acknowledged | 8/11/2025 | B |
| XXX | XXXXX | 304750014 | XXXXX-10302 | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/12: Clear | 20250812: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXXXX | 304732132 | XXXXX-10324 | 8/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/12: Clear | 202508012: Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXXXX | 304767967 | XXXXX-10363 | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/13: Clear | 202508013: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304816402 | XXXXX-10371 | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/14: Clear | 20250814: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXXXX | 304768659 | XXXXX-10381 | 8/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/15: Clear | 20250815: Clear |  | Cleared | 8/15/2025 | A |
| XXX | XXXXX | 304765920 | XXXXX-10388 | 8/18/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage after XXX. | 9/9: attached | 20250909: Received |  | Cleared | 9/9/2025 | C A |
| XXX | XXXXX | 304751790 | XXXXX-10393 | 8/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/18: Clear | 20250818: Clear |  | Cleared | 8/18/2025 | A |
| XXX | XXXXX | 304758004 | XXXXX-10428 | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/19: Clear | 20250819: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXXXX | 304769711 | XXXXX-10440 | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/20: Clear | 20250820: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXXXX | 304729317 | XXXXX-10446 | 8/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/20: Clear | 20250820: Clear |  | Cleared | 8/20/2025 | A |
| XXX | XXXXX | 304750456 | XXXXX-10480 | 8/22/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgage clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage. | 9/15: attached | 20250915: Received |  | Cleared | 9/15/2025 | C A |
| XXX | XXXXX | 304730177 | XXXXX-10483 | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/22: Clear | 20250822: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXXXX | 304764261 | XXXXX-10490 | 8/22/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing updated lease for subject property. Please provide updated lease | 20250905: The lease is now month to month. A ledger was provided confirming payments still matching lease. | 20250908: Received |  | Cleared | 9/8/2025 | D A |
| XXX | XXXXX | 304734208 | XXXXX-10493 | 8/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/22: Clear | 20250822: Clear |  | Cleared | 8/22/2025 | A |
| XXX | XXXXX | 304812516 | XXXXX-10501 | 8/25/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly breakdown: $XXX income/ $XXX P&I + $XXX insurance + $XXX taxes. Using lease rent of XXX please opine | 9/9: attached | 20250909: Received |  | Cleared | 9/9/2025 | C A |
| XXX | XXXXX | 304757464 | XXXXX-10528 | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/25: Clear | 20250825: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXXXX | 304777313 | XXXXX-10537 | 8/26/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 8/26: Waived via overlay | 20250826: Waived via overlay | DSCR XXX, FICO XXX , XxXXxXX | Acknowledged | 8/26/2025 | B |
| XXX | XXXXX | 304734763 | XXXXX-10554 | 8/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/27: Clear | 20250827: Clear |  | Cleared | 8/27/2025 | A |
| XXX | XXXXX | 304759828 | XXXXX-10604 | 8/29/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | 9/11: Eligible secondary valuation is attached | 20250911: Received |  | Cleared | 9/11/2025 | D A |
| XXX | XXXXX | 304702521 | XXXXX-10610 | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/29: Clear | 20250829: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304750536 | XXXXX-10615 | 8/29/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | 9/2: Please see the attached | 20250902: Received |  | Cleared | 9/2/2025 | C A |
| XXX | XXXXX | 304748771 | XXXXX-10633 | 9/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/3: Clear | 20250903: Clear |  | Cleared | 9/3/2025 | A |
| XXX | XXXXX | 304814843 | XXXXX-10639 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304812526 | XXXXX-10645 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304819644 | XXXXX-10646 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304758977 | XXXXX-10650 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304777370 | XXXXX-10651 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304817555 | XXXXX-10653 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304777309 | XXXXX-10656 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304818389 | XXXXX-10657 | 9/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX, minimum coverage required | 9/5: Waived via overlay | 20250905: Waived via overlay | FICO XXX, DSCR XXX, XXX Months Reserves | Acknowledged | 9/5/2025 | B |
| XXX | XXXXX | 304736162 | XXXXX-10661 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304822429 | XXXXX-10670 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304823005 | XXXXX-10671 | 9/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 9/8: Waived via overlay | 20250908: Waived via overlay | FICO XXX, DSCR XXX, LTV XXX% | Acknowledged | 9/8/2025 | B |
| XXX | XXXXX | 304765379 | XXXXX-10675 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304814842 | XXXXX-10682 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304769716 | XXXXX-10684 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304818277 | XXXXX-10688 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304818388 | XXXXX-10691 | 9/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 9/8: Waived via overlay | 20250908: Waived via overlay | FICO XXX, DSCR XXX, XXXX months reserves | Acknowledged | 9/8/2025 | B |
| XXX | XXXXX | 304812514 | XXXXX-10695 | 9/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/10: Clear | 20250910: Clear |  | Cleared | 9/10/2025 | A |
| XXX | XXXXX | 304813316 | XXXXX-10696 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304821136 | XXXXX-10715 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304813076 | XXXXX-10721 | 9/11/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304828931 | XXXXX-10730 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304821133 | XXXXX-10736 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304813311 | XXXXX-10742 | 9/11/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance coverage < $XXX minimum coverage required | 9/11: Waived via overlay | 20250911: Waived via overlay | FICO XXX, DSCR XXX, XXX months reserves | Acknowledged | 9/11/2025 | B |
| XXX | XXXXX | 304777805 | XXXXX-10745 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304819635 | XXXXX-10745 | 9/15/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | 9/16: The security instrument has a 12 month PPP rider attached. 12 months is correct | 20250917: Received |  | Cleared | 9/17/2025 | C A |
| XXX | XXXXX | 304826757 | XXXXX-10745 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304777304 | XXXXX-10745 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304825105 | XXXXX-10748 | 9/16/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title Insurance coverage < $XXX minimum coverage required | 9/16: Waived via overlay | 20250916: Waived via overlay | FICO XXX, DSCR XXX, XXX months reserves | Acknowledged | 9/16/2025 | B |
| XXX | XXXXX | 304823407 | XXXXX-10750 | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/16: Clear | 20250916: Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304828853 | XXXXX-10753 | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/16: Clear | 20250916: Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304816514 | XXXXX-10761 | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/16: Clear | 20250916: Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304814846 | XXXXX-10768 | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/16: Clear | 20250916: Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304825105 | XXXXX-10771 | 9/16/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD and mortgage in file reflect XXX months PPP. | 9/23: Please see the attached | 20250923: Received |  | Cleared | 9/23/2025 | C A |
| XXX | XXXXX | 304828932 | XXXXX-10773 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304833270 | XXXXX-10776 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304748772 | XXXXX-10778 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304821134 | XXXXX-10795 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304839008 | XXXXX-10810 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304827644 | XXXXX-10812 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304748770 | XXXXX-10817 | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/22: Clear | 20250922: Clear |  | Cleared | 9/22/2025 | A |
| XXX | XXXXX | 304825104 | XXXXX-10826 | 9/22/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 9/22: Waived via overlay | 20250922: Waived via overlay | DSCR XXX, XXX months reserves, FICO XXX | Acknowledged | 9/22/2025 | B |
| XXX | XXXXX | 304829006 | XXXXX-10850 | 9/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/23: Clear | 20250923: Clear |  | Cleared | 9/23/2025 | A |
| XXX | XXXXX | 304725173 | XXXXX-10865 | 9/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 9/23: Waived via overlay | 20250923: Waived via overlay | FICO XXX, XXXX months reserves, DSCR XXX | Acknowledged | 9/23/2025 | B |
| XXX | XXXXX | 304834675 | XXXXX-10874 | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/24: Clear | 20250924: Clear |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304817814 | XXXXX-10875 | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/24: Clear | 20250924: Clear |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304827643 | XXXXX-10882 | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/24: Clear | 20250924: Clear |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304840192 | XXXXX-10892 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/25: Clear | 20250925: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304826881 | XXXXX-10900 | 9/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 9/25: Waived via overlay | 20250925: Waived via overlay | DSCR XXX, FICO XXX, LTV XXX% | Acknowledged | 9/25/2025 | B |
| XXX | XXXXX | 304818395 | XXXXX-10919 | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/26: Clear | 20250926: Clear |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304838941 | XXXXX-10925 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/25: Clear | 20250925: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304819488 | XXXXX-10939 | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/26: Clear | 20250926: Clear |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304823178 | XXXXX-10941 | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/26: Clear | 20250926: Clear |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304845402 | XXXXX-10945 | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/26: Clear | 20250926: Clear |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304838914 | XXXXX-10950 | 9/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/29: Clear | 20250929: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304842878 | XXXXX-10952 | 9/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/29: Clear | 20250929: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304843012 | XXXXX-10957 | 9/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 9/29: Waived | 20250929: Waived via overlay | DSCR XXX, LTV XXX%, XXX months reserves | Acknowledged | 9/29/2025 | B |
| XXX | XXXXX | 304834673 | XXXXX-10958 | 9/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/29: Clear | 20250929: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304838937 | XXXXX-10967 | 9/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/29: Clear | 20250929: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304843779 | XXXXX-10969 | 9/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/29: Clear | 20250929: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304845370 | XXXXX-10971 | 9/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/29: Clear | 20250929: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304847772 | XXXXX-10985 | 9/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/30: Clear | 20250930: Clear |  | Cleared | 9/30/2025 | A |
| XXX | XXXXX | 304842880 | XXXXX-11001 | 9/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/30: Clear | 20250930: Clear |  | Cleared | 9/30/2025 | A |
| XXX | XXXXX | 304828339 | XXXXX-11003 | 9/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/30: Clear | 20250930: Clear |  | Cleared | 9/30/2025 | A |
| XXX | XXXXX | 304828351 | XXXXX-11020 | 10/1/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required. | 10/1: Waived | 202501001: Waived via overlay | LTV XXX%, DSCR XXX, X year PPP | Acknowledged | 10/1/2025 | B |
| XXX | XXXXX | 304845400 | XXXXX-11032 | 10/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/1: Clear | 20251001: Clear |  | Cleared | 10/1/2025 | A |
| XXX | XXXXX | 304838907 | XXXXX-11042 | 10/1/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/1: Waived | 202501001: Waived via overlay | DSCR XXX, FICO XXX, LTV XXX% | Acknowledged | 10/1/2025 | B |
| XXX | XXXXX | 304845401 | XXXXX-11047 | 10/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/1: Clear | 20251001: Clear |  | Cleared | 10/1/2025 | A |
| XXX | XXXXX | 304828426 | XXXXX-10858 | 9/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 9/23: Waived via overlay | 20250923: Waived via overlay | FICO XXX, XXXX months reserves, DSCR XXX | Acknowledged | 9/23/2025 | B |
| XXX | XXXXX | 304828426 | XXXXX-10885 | 9/23/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Commitment Title Schedule A X(b) is missing lender's name. Please provide updated title policy with lender name | 10/9: Title Policy | 20251009: Received |  | Cleared | 10/9/2025 | C A |
| XXX | XXXXX | 304821127 | XXXXX-10886 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/25: Clear | 20250925: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304780139 | XXXXX-10904 | 9/25/2025 | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Missing EIN for : XXX | 10/2: Please see attached document | 20251002: Received |  | Cleared | 10/2/2025 | D A |
| XXX | XXXXX | 304833251 | XXXXX-10954 | 9/26/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Missing XXXX-D | 10/2 XXX: The appraisal was marked subject to the time of inspection. Please see attached property inspection report. | 20251002: Received |  | Cleared | 10/2/2025 | D A |
| XXX | XXXXX | 304843775 | XXXXX-11010 | 10/1/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/1: Waived | 202501001: Waived via overlay | DSCR XXX, FICO XXX, LTV XXX% | Acknowledged | 10/1/2025 | B |
| XXX | XXXXX | 304843775 | XXXXX-11016 | 10/1/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing mortgagee clause after lenders' name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 10/6: please see attached | 20251006: Received |  | Cleared | 10/6/2025 | C A |
| XXX | XXXXX | 304843755 | XXXXX-11050 | 10/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/2: Clear | 20251002: Clear |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304846514 | XXXXX-11052 | 10/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/2: Clear | 20251002: Clear |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304846907 | XXXXX-11083 | 10/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 10/3: Waived | 20251003: Waived via overlay | DSCR XXX, FICO XXX, LTV XXX% | Acknowledged | 10/3/2025 | B |
| XXX | XXXXX | 304846907 | XXXXX-11093 | 10/3/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing tax Certificate. Please provide tax bill for accurate tax calculation, taxes were pulled from appraisal. Unable to Calculate DSCR | 10/7: Please see attached LOX from title that lets us know the tax amount. | 20251007: Received |  | Cleared | 10/7/2025 | D A |
| XXX | XXXXX | 304857394 | XXXXX-11095 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304847862 | XXXXX-11097 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/3: Clear | 20251003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304825095 | XXXXX-11109 | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/3: Clear | 20251003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304813314 | XXXXX-11113 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304825565 | XXXXX-11116 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304848291 | XXXXX-11119 | 10/6/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title insurance is missing mortgagee clause. | 10/6: Waived | 20251006: Waived via overlay | DSCR XXX, FICO XXX, LTV XXX% | Acknowledged | 10/6/2025 | B |
| XXX | XXXXX | 304828852 | XXXXX-11121 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304825289 | XXXXX-11122 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304833609 | XXXXX-11127 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304828126 | XXXXX-11129 | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/6: Clear | 20251006: Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304848285 | XXXXX-11136 | 10/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/7: Clear | 20251007: Clear |  | Cleared | 10/7/2025 | A |
| XXX | XXXXX | 304840859 | XXXXX-11140 | 10/6/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 10/6: Waived | 20251006: Waived via overlay | DSCR XXX, FICO XXX, XXXX months reserves | Acknowledged | 10/6/2025 | B |
| XXX | XXXXX | 304833608 | XXXXX-11150 | 10/6/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX Title insurance coverage < $XXX minimum coverage required | 10/6: Waived | 202501006: Waived via overlay | DSCR XXX, FICO XXX, XXX months reserves | Acknowledged | 10/6/2025 | B |
| XXX | XXXXX | 304847863 | XXXXX-11156 | 10/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/8: Clear | 20251008: Clear |  | Cleared | 10/8/2025 | A |
| XXX | XXXXX | 304757455 | XXXXX-11160 | 10/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/7: Clear | 20251007: Clear |  | Cleared | 10/7/2025 | A |
| XXX | XXXXX | 304832985 | XXXXX-11167 | 10/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/7: Clear | 20251007: Clear |  | Cleared | 10/7/2025 | A |
| XXX | XXXXX | 304840194 | XXXXX-11171 | 10/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/8: Clear | 20251008: Clear |  | Cleared | 10/8/2025 | A |
| XXX | XXXXX | 304828135 | XXXXX-11177 | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/9: Clear | 20251009: Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304849258 | XXXXX-11179 | 10/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/8: Clear | 20251008: Clear |  | Cleared | 10/8/2025 | A |
| XXX | XXXXX | 304848286 | XXXXX-11229 | 10/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/10: Clear | 202510010: Clear |  | Cleared | 10/10/2025 | A |
| XXX | XXXXX | 304847777 | XXXXX-11251 | 10/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/10: Clear | 202510010: Clear |  | Cleared | 10/10/2025 | A |
| XXX | XXXXX | 304817812 | XXXXX-11258 | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/9: Clear | 20251009: Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304846390 | XXXXX-11261 | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/9: Clear | 20251009: Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304839436 | XXXXX-11263 | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/9: Clear | 20251009: Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304856469 | XXXXX-11264 | 10/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/13:Clear | 20251013: Clear |  | Cleared | 10/13/2025 | A |
| XXX | XXXXX | 304845365 | XXXXX-11270 | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/9: Clear | 20251009: Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304846405 | XXXXX-11271 | 10/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/13: Clear | 20251013: Clear |  | Cleared | 10/13/2025 | A |
| XXX | XXXXX | 304854849 | XXXXX-11286 | 10/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/13: Waived | 20251013: Waived via overlay | DSCR XXX, XXXX months reserves, FICO XXX | Acknowledged | 10/13/2025 | B |
| XXX | XXXXX | 304857396 | XXXXX-11293 | 10/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 10/13: Waived | 20251013: Waived via overlay | DSCR XXX, XXX months reserves, FICO XXX | Acknowledged | 10/13/2025 | B |
| XXX | XXXXX | 304833249 | XXXXX-11316 | 10/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/14: Clear | 20251014: Clear |  | Cleared | 10/14/2025 | A |
| XXX | XXXXX | 304852054 | XXXXX-11321 | 10/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/14: Clear | 20251014: Clear |  | Cleared | 10/14/2025 | A |
| XXX | XXXXX | 304845386 | XXXXX-11323 | 10/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/14: Clear | 20251014: Clear |  | Cleared | 10/14/2025 | A |
| XXX | XXXXX | 304848546 | 9769129508 | 8/7/2025 | Credit | Application/Processing | Background Report Missing or Defective | Missing Background Report for borrower Entity: XXX | 8/12: uploaded | 20250812: Received |  | Cleared | 8/12/2025 | D A |
| XXX | XXXXX | 304848545 | 9769113722 | 8/7/2025 | Credit | Application/Processing | Background Report Missing or Defective | Missing Background Report for borrower Entity: XXX | 8/12: uploaded | 20250812: Received |  | Cleared | 8/12/2025 | D A |
| XXX | XXXXX | 304768591 | 9772050360 | 8/7/2025 | Property | Appraisal Documentation | Appraisal Review - Missing | Missing secondary appraisal review | 8/20: Please see attached a secondary valuation from XXX. This is their version of CDA for 5+ units. The review came back lower than the appraisal ($XXX vs. $XXX) which required us to use the lesser value in order to size the loan. | 20250820: Variance greater than 10% threshold, using lesser value and downgrading | FICO XXX, LTV XXX%, XxXXxXX | Acknowledged | 8/20/2025 | D B |
| XXX | XXXXX | 304754788 | 9769416970 | 8/7/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing executed release of assignment of leases and rents lien | 8/21: uploaded clean title | 20250821: Final title received |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304768592 | EV25031 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304768593 | EV25000 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304754786 | 9770136680 | 8/7/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing executed release of assignment of leases and rents lien | 8/21: uploaded clean title | 20250821: Final title received |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304768587 | LQ24675 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304848541 | EV24760 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304848476 | LQ24731 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304768591 | 9772047915 | 8/7/2025 | Credit | Credit Documentation | Credit Report Missing or Defective | Missing XXX credit scores for guarantor: XXX. Need to show at least two scores for each guarantor per guidelines. | 8/20: Please waive with compensating factors of (1) 50% owner at XXX FICO and 2) LTV of 40.5% | 20250820: Exception approval received | FICO XXX, LTV XXX%, XxXXxXX | Acknowledged | 8/20/2025 | C B |
| XXX | XXXXX | 304768596 | 9772253314 | 8/7/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance in file does not include rent loss coverage of XXX months. | 9.17.2025: Team - please waive the rental loss lapse of coverage with compensating factors that 1) no insurance event occurred during the lapse and 2) 60% LTV and 3) XXX FICO | 20250922: Exception approval received | FICO XXX, LTV XXX%, DSCR XXX | Acknowledged | 9/22/2025 | C B |
| XXX | XXXXX | 304848486 | LQ24298 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304768595 | EV24995 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304848484 | LQ24462 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304758929 | EV24237 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304749869 | LQ24823 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304749875 | LQ23974 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304736424 | EV24232 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304749885 | EV24249 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304848544 | EV24750 | 8/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/7: Clear | 20250807: Clear |  | Cleared | 8/7/2025 | A |
| XXX | XXXXX | 304848542 | EV24753 | 8/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/8: Clear | 20250808: Clear |  | Cleared | 8/8/2025 | A |
| XXX | XXXXX | 304754789 | 9778647289 | 8/8/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing executed release of assignment of leases and rents lien | 8/21: uploaded clean title | 20250821: Final title received |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304754787 | 9778806792 | 8/8/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing executed release of assignment of leases and rents lien | 8/21: uploaded clean title | 20250821: Final title received |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304754785 | 9778895574 | 8/8/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 8/21: uploaded clean title | 20250821: Final title received |  | Cleared | 8/21/2025 | C A |
| XXX | XXXXX | 304754785 | 9778884932 | 8/8/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Missing executed release of assignment of leases and rents lien | 8/21: uploaded clean title | 20250821: Final title received |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304848473 | LQ24820 | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/13: Clear | 20250813: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304768614 | EV24701 | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/13: Clear | 20250813: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304768613 | EV24784 | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/13: Clear | 20250813: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304768607 | EV24904 | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/13: Clear | 20250813: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304768610 | 9822017159 | 8/14/2025 | Credit | LTV or ARLTV | Excessive LTV Ratio | XXX% LTV > XXX% max LTV for vacant refinance transactions for properties located in the city of XXX. | 8/21: attached lease should address | 20250821: Received lease |  | Cleared | 8/21/2025 | C A |
| XXX | XXXXX | 304768610 | 9822023209 | 8/14/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing Lease Agreement for Subject Property : XXX. | 8/21: attached lease should address | 20250821: Received lease |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304768609 | EV24860 | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/14: Clear | 20250814: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXXXX | 304848505 | EV25185 | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/14: Clear | 20250814: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXXXX | 304848539 | EV24771 | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/14: Clear | 20250814: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXXXX | 304749868 | LQ24826 | 8/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/19: Clear | 20250819: Clear |  | Cleared | 8/19/2025 | A |
| XXX | XXXXX | 304848524 | 9870367763 | 8/21/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title is missing ISAOA/ATIMA verbiage in the mortgagee clause | Attached updated Title Commitment | 20250911: Received |  | Cleared | 9/11/2025 | C A |
| XXX | XXXXX | 304848536 | EV24845 | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/21: Clear | 20250821: Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXXXX | 304848506 | EV25172 | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/25: Clear | 20250825: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXXXX | 304768594 | EV24998 | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/25: Clear | 20250825: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXXXX | 304848525 | EV24937 | 8/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 8/25: Clear | 20250825: Clear |  | Cleared | 8/25/2025 | A |
| XXX | XXXXX | 304848471 | 9903083864 | 8/26/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Title insurance coverage inadequate: Title coverage $XXX < Loan Amount of $XXX | 9/4: See attached updated Title Commitment | 20250904: Received |  | Cleared | 9/4/2025 | C A |
| XXX | XXXXX | 304848471 | 9904356684 | 8/26/2025 | Property | Appraisal Documentation | Appraisal Missing or Defective | Appraisal reflects subject property to be tenant occupied. No lease amounts on appraisal or in lease in file. Please provide updated appraisal. | 9/4: See attached updated Appraisal | 20250904: Received |  | Cleared | 9/4/2025 | C A |
| XXX | XXXXX | 304848555 | 9976993994 | 8/27/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | No executed personal guaranty by XXX (XXX% owner of entity). All loans should have executed personal guarantees by XXX% of the entity's ownership per guidelines. | Management provided signoff please waive based off the following conditions 1.) | 20250911: Exception approval received | DSCR XXX, FICO XXX, XXX% LTV | Acknowledged | 9/11/2025 | D B |
| XXX | XXXXX | 304848555 | 9976996426 | 8/27/2025 | Credit | Closing Documentation | Note Missing or Defective | Note reflects a ARM rounding method of "nearest". Guidelines specify a ARM rounding method of "up". Please opine. | 9/17: please waive with comp DSCR XXX, FICO XXX, 43.94% LTV | 20250911: Exception approval received | DSCR XXX, FICO XXX, XXX% LTV | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304768611 | 9911910128 | 8/27/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | No executed personal guaranty by XXX (XXX% owner of entity). All loans should have executed personal guarantees by XXX% of the entity's ownership per guidelines. | 8/29: Management provided an exception approval for this. Please waive based on the following compensating factors: (1) DSCR is at XXX, (2) 5 year PPP, and (3) 81% guarantor has a FICO of XXX | 20250829: Exception approval received | DSCR XXX, FICO XXX, X year PPP | Acknowledged | 8/29/2025 | D B |
| XXX | XXXXX | 304848508 | EV25085 | 8/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | Clear | Clear |  | Cleared | 8/27/2025 | A |
| XXX | XXXXX | 304768612 | 9915396331 | 8/27/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | No executed personal guaranty by XXX (XXX% owner of entity). All loans should have executed personal guarantees by XXX% of the entity's ownership per guidelines. | Management provided an exception approval for this. Please waive based on the following compensating factors: (1) DSCR is at XXX, (2) 5 year PPP, and (3) 81% guarantor has a FICO of XXX | 20250922: Exception approval received | FICO XXX, DSCR XXX, X-year PPP | Acknowledged | 9/22/2025 | D B |
| XXX | XXXXX | 304848501 | EV25234 | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | Clear | Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304768597 | 9972758257 | 9/4/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Title insurance Coverage inadequate: Title coverage $XXX < Loan Amount of $XXX | 9/17: please waive with comp factors of (1) only $XXX shortfall (2) XXX fico (3) LTV 5% below max allowed per guides | 20250917: Waived | FICO XXX, XXX% LTV, $XXX shortfall | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848504 | EV25194 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848477 | LQ24674 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848531 | EV24906 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848469 | LQ25067 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848527 | EV24915 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848514 | EV25047 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848528 | EV24911 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848530 | EV24909 | 9/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/4: Clear | 20250904: Clear |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304848510 | EV25061 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304848470 | LQ25056 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304848532 | EV24891 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304848493 | 10008616054 | 9/9/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for XXX | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | D A |
| XXX | XXXXX | 304848485 | 10010014160 | 9/9/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing guaranty for XXX (XXX% owner of XXX), all loans should have executed personal guarantees by XXX% of the entity's ownership per guidelines. | 9/17: team - pls waive we were comfortable given majority guaranteeing, XXX fico and XXX dscr | 20250917: Waived | FICO XXX, XXX DSCR, XXX Months Reserves | Acknowledged | 9/17/2025 | D B |
| XXX | XXXXX | 304848490 | 10010859605 | 9/9/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title is missing effective date, coverage amount and mortgagee clause | See Attached | 20250923: Received |  | Cleared | 9/23/2025 | C A |
| XXX | XXXXX | 304848491 | EV25410 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304848523 | EV24943 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304848522 | EV24976 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304848533 | EV24871 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304848511 | EV25052 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304848517 | 10041134044 | 9/12/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Lender needs to collect escrows at closing equal to the sum of XXX months of taxes and insurance: Only collected XXX month of insurance escrows in the amount of $XXX | 9/17: pls waive XXX fico and repeat clients of ours $XXXM+ in loans with no DQs | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848517 | 10041134804 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing certificate of good standing | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | D A |
| XXX | XXXXX | 304848517 | 10041135560 | 9/12/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for XXX (XXX% owner of XXX) which is sole owner of XXX which is sole owner of XXX - XXX to confirm XXX% of ownership is guaranteeing the loan per guidelines. | 9/17: This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | D B |
| XXX | XXXXX | 304848547 | 10041671381 | 9/12/2025 | Credit | Application/Processing | Background Report Aged | Background report dated XXX days outside of origination | See Attached | 20250923: Received |  | Cleared | 9/23/2025 | C A |
| XXX | XXXXX | 304848492 | EV25409 | 9/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/12: Clear | 20250912: Clear |  | Cleared | 9/12/2025 | A |
| XXX | XXXXX | 304848519 | 10051979138 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for XXX to prove ownership of borrowing entity. | 9/17: This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848519 | 10051980787 | 9/15/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Settlement Statement shows lender only collecting XXX month worth of property taxes in the amount of $XXX, Lender needs to collect escrows at closing that equal the sum of XXX months of taxes per guidelines. | 9/17: pls waive XXX fico and repeat clients of ours $XXXM+ in loans with no DQs | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848556 | 10052515899 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Articles of Incorporation for XXX. | 9/17: Clear | 20250917: Uploaded XXX |  | Cleared | 9/17/2025 | D A |
| XXX | XXXXX | 304848513 | 10052889000 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Certificate of Good Standing for XXX - XXX | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | D A |
| XXX | XXXXX | 304848513 | 10052892278 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for XXX to prove ownership of borrowing entity. | 9/17: This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848513 | 10052893643 | 9/15/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Settlement Statement shows lender only collecting XXX month worth of Hazard Insurance in the amount of $XXX, Lender needs to collect escrows at closing that equal the sume of XXX months of taxes per guidelines. | 9/17:pls waive XXX fico and repeat clients of ours $XXXM+ in loans with no DQs | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848515 | 10053795579 | 9/15/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Settlement Statement shows lender only collecting XXX month worth of Hazard Insurance in the amount of $XXX, Lender needs to collect escrows at closing that equal the sume of XXX months of taxes per guidelines. | 9/17:pls waive XXX fico and repeat clients of ours $XXXM+ in loans with no DQs | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848515 | 10053797373 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for XXX to prove ownership of borrowing entity. | 9/17: This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | 20250917: Waived | FICO XXX, Repeat client, no DQs | Acknowledged | 9/17/2025 | C B |
| XXX | XXXXX | 304848515 | 10053855274 | 9/15/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Certificate of Good Standing for XXX - XXX | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | C A |
| XXX | XXXXX | 304848502 | EV25205 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304848496 | EV25308 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304848489 | EV25414 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304779753 | XXXXX-5 | 8/26/2025 | Credit | Closing Documentation | Security Instrument Missing or Defective | Missing MERS ID, client requires all loans to be on MERS | 9/29: AOM | 20250929: Received |  | Cleared | 9/29/2025 | C A |
| XXX | XXXXX | 304779649 | XXXXX-8 | 8/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/26: Clear | 20250826: Clear |  | Cleared | 8/26/2025 | A |
| XXX | XXXXX | 304779657 | XXXXX-10 | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/28: Clear | 20250828: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXXXX | 304779717 | XXXXX-18 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304779747 | XXXXX-22 | 8/29/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing letter of explanation for XXX large deposits dated amounting to $XXX dated on XX/XX/XXXX and XX/XX/XXXX in XXX Acct #XXX. | 9/22: LOX | 20250922: Received |  | Cleared | 9/22/2025 | C A |
| XXX | XXXXX | 304779726 | XXXXX-23 | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/29: Clear | 20250829: Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304779656 | XXXXX-24 | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/28: Clear | 20250828: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXXXX | 304779761 | XXXXX-29 | 8/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/27: Clear | 20250827: Clear |  | Cleared | 8/27/2025 | A |
| XXX | XXXXX | 304779694 | XXXXX-30 | 9/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/2: Clear | 20250902: Clear |  | Cleared | 9/2/2025 | A |
| XXX | XXXXX | 304779683 | XXXXX-49 | 8/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/28: Clear | 20250828: Clear |  | Cleared | 8/28/2025 | A |
| XXX | XXXXX | 304779659 | XXXXX-59 | 9/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/02: Clear | 20250902: Clear |  | Cleared | 9/2/2025 | A |
| XXX | XXXXX | 304779689 | XXXXX-63 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779713 | XXXXX-64 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779661 | XXXXX-74 | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/5: Clear | 20250905: Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304779725 | XXXXX-75 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304779638 | XXXXX-78 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304779735 | XXXXX-83 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304779697 | XXXXX-87 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779646 | XXXXX-91 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779691 | XXXXX-92 | 9/8/2025 | Property | Appraisal Review | Appraisal Review - Missing or Defective | Appraisal review product (AVM) reflects a confidence score of XXX%. | 9/22: CDA | 20250922: Received |  | Cleared | 9/22/2025 | C A |
| XXX | XXXXX | 304779645 | XXXXX-94 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779692 | XXXXX-96 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779617 | XXXXX-98 | 9/9/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property: XXX. | 9/16: Lease | 20250918: Received |  | Cleared | 9/18/2025 | D A |
| XXX | XXXXX | 304779733 | XXXXX-112 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304779642 | XXXXX-115 | 9/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/10: Clear | 20250910: Clear |  | Cleared | 9/10/2025 | A |
| XXX | XXXXX | 304779667 | XXXXX-123 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779695 | XXXXX-126 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779637 | XXXXX-130 | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/9: Clear | 20250909: Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304779700 | XXXXX-135 | 9/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/10: Clear | 20250910: Clear |  | Cleared | 9/10/2025 | A |
| XXX | XXXXX | 304779746 | XXXXX-153 | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/8: Clear | 20250908: Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304779721 | XXXXX-157 | 9/10/2025 | Credit | Closing Documentation | Closing Documentation Missing or Defective | Missing Final Closing Settlement/HUD. | 9/15: attached | 20250915: Received |  | Cleared | 9/15/2025 | D A |
| XXX | XXXXX | 304779721 | XXXXX-167 | 9/10/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Missing personal guaranty for both members of the borrowing entity. | 9/15: Attached | 20250915: Received |  | Cleared | 9/15/2025 | D A |
| XXX | XXXXX | 304779721 | XXXXX-168 | 9/10/2025 | Credit | Application/Processing | Loan Application Missing or Defective | Loan application in file does not include Guarantor XXX: XXX. Please provide updated loan application for GX | Attached | 20250926: Received |  | Cleared | 9/26/2025 | C A |
| XXX | XXXXX | 304824854 | XXXXX-170 | 9/15/2025 | Credit | Credit Documentation | Background Check Missing or Defective | Missing Background Report For Guarantor : XXX | 10/8: Background report | 20251008: Received |  | Cleared | 10/8/2025 | D A |
| XXX | XXXXX | 304824871 | XXXXX-171 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824841 | XXXXX-172 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824881 | XXXXX-175 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304824875 | XXXXX-176 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304824880 | XXXXX-177 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304824868 | XXXXX-179 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824860 | XXXXX-180 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304824832 | XXXXX-185 | 9/18/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing settlement statement | 9/22: HUD | 20250922: Received |  | Cleared | 9/22/2025 | D A |
| XXX | XXXXX | 304824839 | XXXXX-187 | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/16: Clear | 20250916: Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304824837 | XXXXX-189 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824838 | XXXXX-190 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824864 | XXXXX-192 | 9/17/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing LOX for month-to-month lease of subject property to confirm long-term intent | 9/29: We waived this as they're a repeat borrower with a consistent LTR rental strategy. XXX leases in XXX allow for a quicker process to evict non-paying tenants, so more experienced operators favor those. Please escalate to XXX to waive if necessary.<br> 9/22: Rent rolls | 20250929: Exception approval received<br> 20250922: Per guideline requirements, "Month-to-Month or leases with a term less than 9 months or variable in duration with LOX confirming long-term intent (not short-term)". Please provide documentation of long-term intent for subject property. | FICO XXX, DSCR XXX, XXXX months reserves | Acknowledged | 9/29/2025 | D B |
| XXX | XXXXX | 304824861 | XXXXX-194 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824833 | XXXXX-195 | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/17: Clear | 20250917: Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304824867 | XXXXX-196 | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/15: Clear | 20250915: Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304824790 | XXXXX-201 | 9/18/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Credit report in file reflects XXX and XXX mortgage late payments dated XX/XX/XXXX, which is within the past XXX months. Per guidelines, "Any delinquent mortgage payment at the time of origination (or any XXX+ within the preceding XXX months) (Any XXX+ MTG lates in the last XXX months shall require an LOX from customer)" | 9/22: LOX | 20250922: Received |  | Cleared | 9/22/2025 | C A |
| XXX | XXXXX | 304824874 | XXXXX-202 | 9/18/2025 | Credit | LTV or ARLTV | Excessive LTV Ratio | XXX% LTV > XXX% max LTV allowed for a foreign national. | 9/22: Waived via email | 20250922: Waived via email | months reserves XXX, DSCR XXX, FICO XXX | Acknowledged | 9/22/2025 | C B |
| XXX | XXXXX | 304824853 | XXXXX-203 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824781 | XXXXX-204 | 9/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/18: Clear | 20250918: Clear |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304824857 | XXXXX-208 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824856 | XXXXX-210 | 9/19/2025 | Credit | Credit Documentation | Guarantor Identification Missing or Defective | Missing valid Green Card for guarantor to verify permanent residence | 9/24: GTY | 20250924: Received |  | Cleared | 9/24/2025 | D A |
| XXX | XXXXX | 304824863 | XXXXX-218 | 9/18/2025 | Property | Appraisal Documentation | Appraisal Missing or Defective | Appraisal reflects deferred maintenance that exceeds XXX% of the subject property's value which is not allowed per guidelines | 9/22: Attached 1004d | 20250922: Received |  | Cleared | 9/22/2025 | C A |
| XXX | XXXXX | 304824878 | XXXXX-219 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824843 | XXXXX-220 | 9/19/2025 | Property | Appraisal Review | Appraisal Review Missing | Missing Appraisal Review for the Subject Property : XXX | 9/26: Appraisal | 20250926: Received |  | Cleared | 9/26/2025 | D A |
| XXX | XXXXX | 304824768 | XXXXX-228 | 9/19/2025 | Property | Appraisal Review | Appraisal Review - Missing or Defective | Missing Appraisal Review for the Subject Property : XXX | 9/26: Attached Appraisal Review | 20250926: Received |  | Cleared | 9/26/2025 | D A |
| XXX | XXXXX | 304824826 | XXXXX-236 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824774 | XXXXX-239 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824821 | XXXXX-244 | 9/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/23: Clear | 20250923: Clear |  | Cleared | 9/23/2025 | A |
| XXX | XXXXX | 304824755 | XXXXX-245 | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/22: Clear | 20250922: Clear |  | Cleared | 9/22/2025 | A |
| XXX | XXXXX | 304824772 | XXXXX-246 | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/19: Clear | 20250919: Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824799 | XXXXX-248 | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/24: Clear | 20250924: Clear |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304824804 | XXXXX-250 | 9/24/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Commitment Schedule A is missing mortgagee clause after lender's name. Please provide updated title insurance policy including ISAOA/ATIMA verbaige after lender's name. | 9/29: Title update | 20250929: Received |  | Cleared | 9/29/2025 | C A |
| XXX | XXXXX | 304824797 | XXXXX-253 | 9/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | 9/29: Attached | 20250929: Received |  | Cleared | 9/29/2025 | C A |
| XXX | XXXXX | 304824811 | XXXXX-257 | 9/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/23: Clear | 20250923: Clear |  | Cleared | 9/23/2025 | A |
| XXX | XXXXX | 304824808 | XXXXX-259 | 9/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/23: Clear | 20250923: Clear |  | Cleared | 9/23/2025 | A |
| XXX | XXXXX | 304824792 | XXXXX-261 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/25: Clear | 20250925: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304824812 | XXXXX-264 | 9/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/23: Clear | 20250923: Clear |  | Cleared | 9/23/2025 | A |
| XXX | XXXXX | 304824770 | XXXXX-266 | 9/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required | 9/26: Attached Title | 20250926: Received |  | Cleared | 9/26/2025 | C A |
| XXX | XXXXX | 304824809 | XXXXX-268 | 9/23/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | 9/23: Clear | 20250923: Clear |  | Cleared | 9/29/2025 | A |
| XXX | XXXXX | 304824805 | XXXXX-270 | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/24: Clear | 20250924: Clear |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304824791 | XXXXX-271 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/25: Clear | 20250925: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304824748 | XXXXX-273 | 9/25/2025 | Credit | Borrower Requirements Not Met | Background Check Missing or Defective | Background report in file reflects a Federal Tax Lien dated XX/XX/XXXX in the amount of $XXX | 9/26: Attached LOX | 20250926: Evidence of release received |  | Cleared | 9/26/2025 | C A |
| XXX | XXXXX | 304824745 | XXXXX-274 | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/25: Clear | 20250925: Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304824793 | XXXXX-290 | 9/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | 9/26: Attached Title | 20250926: Received |  | Cleared | 9/26/2025 | C A |
| XXX | XXXXX | 304811492 | XXXXX-20 | 9/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 9/11: Clear | 20250911: Clear |  | Cleared | 9/11/2025 | A |
| XXX | XXXXX | 304811756 | XXXXX-7 | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | 8/14: Clear | 20250814: Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXXXX | 304811735 | XXXXX-2 | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | 8/13: Clear | 20250813: Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304821211 | XXXXX-7 | 9/16/2025 | Credit | No Findings | No Findings | The loan meets the applicable guidelines | 9/16: Clear | 20250916: Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304821270 | XXXXX-8 | 9/24/2025 | Credit | LTV or ARLTV | Excessive LTV Ratio | XXX% LTV > XXX% max LTV allowed for a XXX FICO | 9/24: Waiver in file | 20250924: Waiver in file | Mortgage payment reduced by XXX% | Acknowledged | 9/24/2025 | B |
| XXX | XXXXX | 304821288 | XXXXX-2 | 9/16/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance for property located : XXX | 10/6: HOI<br> 9/25: Multiple unit property - liability insurance is all that is required. Please advise<br> 9/23: HOI | 20251006: Received<br> 20250925: Dwelling coverage is not provided in liability policy. Please provide master or individual unit policy that includes dwelling coverage.<br> 20250923: Provided insurance policy is a certificate of liability insurance. Please provide homeowners insurance policy. |  | Cleared | 10/6/2025 | D A |
| XXX | XXXXX | 304728956 | 165193-88 | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/2: Clear | 20250702: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXXXX | 304728866 | XXXXX-112 | 7/2/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | MIssing purchase HUD statement or purchase contract. | 7/15: There's no HUD - everything was on the deed. | 20250715: Received |  | Cleared | 7/15/2025 | D A |
| XXX | XXXXX | 304728866 | 167866-116 | 7/2/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. | 7/15: XXX confirms this was a tape error and confirms a prepayment penalty term of 60 months. | 20250715: Received |  | Cleared | 7/15/2025 | C A |
| XXX | XXXXX | 304728919 | 166515-81 | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 7/2: Clear | 20250702: Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXXXX | 304510564 | 158232-68 | 3/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/5: Clear | 20250305: Clear |  | Cleared | 3/5/2025 | A |
| XXX | XXXXX | 304811754 | 123ABJ | 8/22/2025 | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Loan file is missing the VVOE document for borrower's COO position with XXX. | VOE | Documentation is sufficient. VOE provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/22/2025 | D A |
| XXX | XXXXX | 304811754 | finding-3634 | 8/21/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure required. Refund in the amount of $XXX, cure requires a valid coc or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The appraisal fee of $XXX was increased to $XXX on the CD issued X/XX/XXXX. The file does not contain a valid COC for the increase of the fee. | LE and CiC | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/21/2025 | C A |
| XXX | XXXXX | 304811754 | FPRO8998 | 8/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/19/2025 | A |
| XXX | XXXXX | 304821271 | FCRE7496 | 9/5/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Per Solar Lease transfer service agreement found in file, Seller wishes to assign to Assignee (buyer) its entire interest, including all of its rights and obligations, in the Solar Agreement. Assignee wishes to assume Assignor's entire interest, including all of Assignor's rights and obligations, in the Solar Agreement, no supporting documentation to verify payment was found under loan file or included payment under DTI . | LOE | Documentation is sufficient. Solar treated as a utility obligation, and not included in the DTI calculations. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2025 | D A |
| XXX | XXXXX | 304821271 | FCRE0360 | 9/5/2025 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. | AUS in lieu of VOM | Documentation is sufficient. Updated LP provided. Exception resolved. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Per Loan Approval, a credit supplement or mortgage statements to document mortgage payments with NR/SMS/CAL from XX/XX/XXXX paid as agreed for REO Unit XXX XXX required but not in loan file. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2025 | C A |
| XXX | XXXXX | 304821271 | FCOM8997 | 9/4/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304821271 | FPRO8998 | 9/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304821269 | FPRO8998 | 9/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821269 | FCRE8999 | 9/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821263 | FPRO8998 | 9/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821263 | FCRE8999 | 9/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821263 | FCOM8997 | 9/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821246 | FCRE8999 | 9/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821246 | FPRO8998 | 9/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821246 | FCOM8997 | 9/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821241 | FCRE1316 | 9/5/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower X Xrd Party VOE Prior to Close Missing | SoS | Documentation is sufficient. Secretary of State search provided. Exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/5/2025 | D A |
| XXX | XXXXX | 304821241 | FCRE3472 | 9/4/2025 | Credit | Assets | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Maximum of XXX occurrences within the recent XXX months. However a Lender approved exception is in the loan file, allowing the NSF to exceed the maximum allowed. The lender identified the following compensating to justify approval; minimum reverses by XXX months, borrower has been on the same job for XXX years and has prior housing history of XXX years. |  | Lender exception in file for NSFs supported by the following compensating factors: reserves, years on job, no mortgage lates. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | Yes C B A |
| XXX | XXXXX | 304821241 | FCOM8997 | 9/4/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304821241 | FPRO8998 | 9/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304811687 | FCRE8611 | 8/27/2025 | Credit | Income/Employment | Income/Employment General | Self-Employed Business Narrative Form has not been completed, which is required per guidelines. | Business Narrative | Business narrative form provided. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | C A |
| XXX | XXXXX | 304811687 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304821225 | FCRE8999 | 9/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/16/2025 | A |
| XXX | XXXXX | 304821225 | FPRO8998 | 9/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/16/2025 | A |
| XXX | XXXXX | 304821214 | FCRE8999 | 9/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/9/2025 | A |
| XXX | XXXXX | 304821214 | FPRO8998 | 9/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/9/2025 | A |
| XXX | XXXXX | 304821214 | FCOM8997 | 9/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/9/2025 | A |
| XXX | XXXXX | 304811656 | FCOM8997 | 8/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/19/2025 | A |
| XXX | XXXXX | 304811656 | FCRE8999 | 8/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines.<br> The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/19/2025 | A |
| XXX | XXXXX | 304811656 | FPRO8998 | 8/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/19/2025 | A |
| XXX | XXXXX | 304811634 | finding-3716 | 10/3/2025 | Compliance | State Reg | CA Per Diem Interest Amount Test | The loan closed XX/XX/XXXX and the CD issued XX/XX/XXXX disbursement date reflects XX/XX/XXXX. PCCD with corrected disbursement date with LOE, copy of refund and proof of delivery is required. This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | Corrected PCCD; PCCD - We funded on XX/XX/XXXX. Interest starts from the date of funding not from the date of disbursement as they can record the next day which was the XXXth on a XXX.; final settlement stmt and PCCD | PCCD provided with updated disbursement date; Exception resolved; PCCD provided with updated disbursement date; Exception resolved; The XXX Interim interest payment disclosure did contain a mark to indicate the borrower agreed to the additional interest charge when a loan is funded on a XXX but not disbursed until a monday<br> Under XXX Civil Code 2948.5: (a) A borrower shall not be required to pay interest on a principal obligation under a promissory note secured by a mortgage or deed of trust on real property improved with between one to four residential dwelling units for any period that meets any of the following requirements:<br>(1) Is more than one day prior to the date that the loan proceeds are disbursed from escrow.<br>(2) In the event of no escrow, if a request for recording is made in connection with the disbursement, is more than one day prior to the date the loan proceeds are disbursed to the borrower, to a third party on behalf of the borrower, or to the lender to satisfy an existing obligation of the borrower.<br>(3) In all other circumstances where there is no escrow and no request for recording, is prior to the date funds are disbursed to the borrower, to a third party on behalf of the borrower, or to the lender to satisfy an existing obligation of the borrower.<br>(b) Interest may commence to accrue on the business day immediately preceding the day of disbursement, for obligations described in paragraphs (1) and (2) of subdivision (a) if both of the following occur:<br>(1) The borrower affirmatively requests, and the lender agrees, that the disbursement will occur on XXX, or a day immediately following a bank holiday.<br>(2) The following information is disclosed to the borrower in writing: (A) the amount of additional per diem interest charged to facilitate disbursement on XXX or the day following a holiday, as the case may be, and (B) that it may be possible to avoid the additional per diem interest charge by disbursing the loan proceeds on a day immediately following a business day. This disclosure shall be provided to the borrower and acknowledged by the borrower by signing a copy of the disclosure document prior to placing funds in escrow.; PCCD provided shows interest start date of XX/XX/XXXX to XX/XX/XXXX which is 21 days. The prepaid interest amount of $XXX per day X 21 days = XXX, however the CD shows $XXX collected ; This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/3/2025 | C A |
| XXX | XXXXX | 304811634 | finding-3719 | 10/3/2025 | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XX CFR §XXXXXX(d)(X) , transferred from XX CFR §XXXXX(d)(X))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. This loan failed the TILA finance charge test.(XX CFR §XXXXXX(d)(X) , transferred from XX CFR §XXXXX(d)(X))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. |  | incorrect data entered; Exception resolved |  | Rescinded |  | A |
| XXX | XXXXX | 304811634 | FCRE8999 | 9/4/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304811634 | FPRO8998 | 9/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304811626 | finding-3634 | 9/8/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Appraisal fee increased on the LE issued XX/XX/XXXX without a valid reason. | refund package | Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304811626 | FCRE8999 | 8/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304811626 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304811623 | FCRE0377 | 8/27/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Insurance agent confirms policy covers XXX% replacement cost , but replacement cost estimator is missing. | Agent email stating 100% replacement cost | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/27/2025 | C A |
| XXX | XXXXX | 304811623 | FCRE7496 | 8/27/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for $XXX as Other on the Subject Property, However supporting docs or explanation missing on file. | LOE and revised 1008 | LOE and corrected 1008 provided; no additional TIA expense of $XXX. Condition cleared. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/27/2025 | D A |
| XXX | XXXXX | 304811623 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304821200 | FPRO8998 | 9/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304821200 | FCRE8999 | 9/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304821200 | FCOM8997 | 9/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304821186 | FCRE7497 | 9/12/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Lease in the amount of $XXX was used to qualify Borrower on Departure property , XXX, per guidelines XXX items are required. <br> Copy of current lease, Proof of receipt of deposit and Xst month's rent AND Evidence rent is near market, either a XXX or other underwriter/loan officer obtained confirmation of market rent is required; all missing from loan file, DTI will be re review upon receipt of documents. | LOE and supporting docs | Documentation is sufficient. Rent estimate provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/12/2025 | D A |
| XXX | XXXXX | 304821186 | FCOM8997 | 9/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304821186 | FPRO8998 | 9/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/5/2025 | A |
| XXX | XXXXX | 304841664 | FCRE1204 | 9/2/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Open Alerts present |  | Fraud report provided with all alerts cleared. Exception resolved. ; All Fraud Report Alerts have been cleared or None Exist; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 9/2/2025 | C A |
| XXX | XXXXX | 304841664 | FCRE1206 | 9/2/2025 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Fraud report reflects unchecked participants |  | Fraud report provided with all alerts cleared. Exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 9/2/2025 | C A |
| XXX | XXXXX | 304841664 | finding-3634 | 8/30/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the discount points. |  | Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 8/30/2025 | C A |
| XXX | XXXXX | 304841664 | finding-3635 | 8/30/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi). TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Mortgage Recording Fee |  | Valid COC provided; exception resolved; Valid COC provided; exception resolved; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 8/30/2025 | C A |
| XXX | XXXXX | 304841664 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841631 | FCRE8999 | 8/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841631 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841631 | finding-3352 | 8/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841677 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841677 | FCOM8997 | 8/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841677 | FCRE8999 | 8/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841649 | FCRE1206 | 9/3/2025 | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. |  | Revised fraud report provided, exception resolved. ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 9/3/2025 | C A |
| XXX | XXXXX | 304841649 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841649 | FCOM8997 | 8/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841647 | FCRE8999 | 8/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841647 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841639 | FCRE1204 | 8/29/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts |  | All Fraud Report Alerts have been cleared or None Exist | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/29/2025 | C A |
| XXX | XXXXX | 304841639 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841636 | FCRE7497 | 9/2/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The loan file is missing the HOA for XXX. |  | HOA statement provided, exception resolved. ; Document Uploaded. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/2/2025 | D A |
| XXX | XXXXX | 304841636 | FPRO8998 | 8/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/26/2025 | A |
| XXX | XXXXX | 304841658 | FPRO1242 | 9/5/2025 | Property | Missing Doc | Appraisal is Missing | Appraisal is Missing. The loan file is missing the Appraisal. |  | Appraisal was provided, exception resolved. ; Appraisal is Present or is Waived; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2025 | D A |
| XXX | XXXXX | 304841658 | FPRO1136 | 9/5/2025 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis |  | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Document Uploaded. ; Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal was made subject to completion of repairs. Appraisal indicates windows are covered with plywood that needs to be removed. Please provide evidence issue has been resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2025 | C A |
| XXX | XXXXX | 304841658 | FPRO3678 | 9/5/2025 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. |  | The issue with the property has been resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/5/2025 | C A |
| XXX | XXXXX | 304841658 | FCRE1728 | 9/2/2025 | Credit | Missing Doc | Missing rent comparable schedule form 1007 | The loan file is missing the rent schedule 1007. |  | Rent schedule was provided, exception resolved. ; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/2/2025 | D A |
| XXX | XXXXX | 304841634 | FCRE1201 | 9/2/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The loan file is missing the Fraud Report. |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/2/2025 | D A |
| XXX | XXXXX | 304841634 | FPRO8998 | 8/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/28/2025 | A |
| XXX | XXXXX | 304841643 | FCRE8999 | 9/2/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304841643 | FPRO8998 | 9/2/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304841588 | FCRE8999 | 9/2/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304841588 | FPRO8998 | 9/2/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304841680 | FCRE8999 | 9/4/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304841680 | FPRO8998 | 9/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304841651 | FCRE0377 | 9/18/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The HOI in the loan file reflects coverage of $XXX; however, the loan amount is for $XXX and the policy did not contain guarantee coverage. |  | Updated hazard policy was provided, exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Document Uploaded. |  | Resolved | 9/18/2025 | C A |
| XXX | XXXXX | 304841651 | FCRE2335 | 9/18/2025 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. |  | Qualifying DSCR meets Guidelines; Document Uploaded. ; Qualifying DSCR of XXX is less than guideline minimum requirement of 1. Lender updated hazard policy which increased the monthly premium from $XXX to $XXX. This results in a DSCR ratio of XXX which is Resolved 9/18/2025 C A A A A A A A A A A A |  |  |  |  |
| XXX | XXXXX | 304841651 | FPRO8998 | 9/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304841671 | FCRE8999 | 9/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/9/2025 | A |
| XXX | XXXXX | 304841671 | FPRO8998 | 9/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/9/2025 | A |
| XXX | XXXXX | 304841669 | FCOM3849 | 9/14/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least X-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXXX(a)(X)). Documentation Required- Evidence of date appraisal was delivered to Borrower |  | Evidence of appraisal delivery provided.; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2025 | B A |
| XXX | XXXXX | 304841669 | finding-3634 | 9/14/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the addition of the appraisal (addt'l report) fee on the CD dated XX/XX/XXXX without valid COC. |  | Revised LE and COC provided; exception resolved; Revised LE and COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2025 | C A |
| XXX | XXXXX | 304841669 | finding-3532 | 9/14/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation. Documentation Required- Missing initial CD and evidence of delivery to Borrower. Only CD is file is dated XX/XX/XXXX. |  | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2025 | C A |
| XXX | XXXXX | 304841669 | FCRE1241 | 9/12/2025 | Credit | Missing Doc | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  | Purchase contract provided, exception resolved.; Purchase Contract Doc is not Missing, or is Not Applicable.; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/12/2025 | D A |
| XXX | XXXXX | 304841669 | FCRE1201 | 9/12/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Please provide a Fraud Report. |  | Fraud report provided, all alerts cleared. Exception resolved.; Third Party Fraud Report is provided; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/12/2025 | D A |
| XXX | XXXXX | 304841669 | FCRE1157 | 9/12/2025 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Please provide the hazard insurance policy for the subject property. |  | Hazard policy provided, exception resolved. ; Hazard Insurance Policy is fully present; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/12/2025 | D A |
| XXX | XXXXX | 304841669 | FCRE1161 | 9/12/2025 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate Please provide the Flood Certificate for the subject property. |  | Flood cert provided, exception resolved.; Flood Certificate is fully present; Document Uploaded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/12/2025 | D A |
| XXX | XXXXX | 304841669 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304841670 | FCRE8999 | 9/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304841670 | FPRO8998 | 9/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304841638 | finding-3532 | 9/18/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation. There's no evidence of receipt for the initial CD issued a minimum of X business days prior to consummation. Also need clarification on closing date to determine when ICD should be received by. The Mortgage was notarized on XX/XX, but the RTC and other loan documents are dated XX/XX/XXXX. |  | Initial CD received; Exception resolved; Initial CD received; Exception resolved; Document Uploaded. |  | Resolved | 9/18/2025 | C A |
| XXX | XXXXX | 304841638 | FCRE8999 | 9/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 9/16/2025 | A |
| XXX | XXXXX | 304841638 | FPRO8998 | 9/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 9/16/2025 | A |
| XXX | XXXXX | 304841645 | FCRE8999 | 9/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304841645 | FPRO8998 | 9/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304757012 | XXXXX-01 | 7/17/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304756957 | 9616467228 | 7/17/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property located at: XXX | 20250725: Exception waiver uploaded | 20250725: Exception waiver received | FICO XX+ points greater than program requirement, DTI > than XXX% below program requirement, VOR/VOM XxXXxXX (checks for private) | Acknowledged | 7/25/2025 | D B |
| XXX | XXXXX | 304756957 | 9616517091 | 7/17/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance in file is missing XXX months rent loss coverage. Please provide updated Hazard Insurance Policy. | 20250730 uploaded hoi | 20250731: HOI received |  | Cleared | 7/31/2025 | C A D |
| XXX | XXXXX | 304756899 | 9649393026 | 7/22/2025 | Property | Insurance | Flood Cert or Evidence not in a Flood Zone Missing | Missing flood certificate for subject property: XXX. | 20250723 uploaded flood coverage | 20250723: Flood Cert Received |  | Cleared | 7/23/2025 | D A |
| XXX | XXXXX | 304757237 | XXXXX-01 | 7/25/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304756901 | 9710037421 | 7/30/2025 | Credit | Application/Processing | Background Check Missing or Defective | Missing criminal record on Background Report |  | 20250731: Per XXX overlay borrower's criminal record is not required. |  | Cleared | 7/31/2025 | C A |
| XXX | XXXXX | 304756901 | 9710157737 | 7/30/2025 | Property | Appraisal | Desk Review Variance > 10% | Appraisal review variance of - XXX% > - XXX% maximum allowed | 20250731: CU score | 20250801: Received CU score |  | Cleared | 8/1/2025 | C A |
| XXX | XXXXX | 304757212 | XXXXX-01 | 8/5/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304756921 | XXXXX-01 | 8/12/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304816664 | 9822916021 | 8/14/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance for property located at: XXX | 20250819: HOI | 20250819: Received HOI |  | Cleared | 8/19/2025 | D A |
| XXX | XXXXX | 304816792 | XXXXX-1 | 8/22/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304827840 | 9922148516 | 8/28/2025 | Property | Debt Service Coverage Ratio Documentation | Short Term Rental Documentation Missing or Defective | Short Term Rental Compliance Report reflects borrower does not have the required STR permit. | 20250903: Vacation rental license | 20250910: Received License |  | Cleared | 9/10/2025 | C A |
| XXX | XXXXX | 304827840 | 9922160594 | 8/28/2025 | Property | Appraisal | Appraisal Review - Missing | Appraisal Review variance of - XXX% > - XXX% maximum allowed |  | Lower value qualifies | LTV of XXX% | Acknowledged | 9/16/2025 | B C |
| XXX | XXXXX | 304827840 | 9922210452 | 8/28/2025 | Credit | LTV | Excessive LTV Ratio | XXX% LTV > XXX% LTV Limit for a Cash-Out Refinance with declining markets | 20250910: Max LTV 70% including 5% declining deduction | 20250910: Received matrix |  | Cleared | 9/10/2025 | C A |
| XXX | XXXXX | 304827943 | XXXXX-01 | 10/3/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304866941 | XXXXX-01 | 10/16/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/24/2025 | A |
| XXX | XXXXX | 304866943 | 18202792268 | 10/16/2025 | Credit | DSCR | DSCR Minimum Not Met | XXX DSCR < XXX minimum on Short Term Rental properties | 20251016: Exception waiver in file | 20251016: Exception waiver received |  | Acknowledged |  | C B |
| XXX | XXXXX | 304757158 | XXXXX-01 | 7/3/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Cleared |  | A |
| XXX | XXXXX | 304748521 | 9771881635 | 8/7/2025 | Property | Property Data Collection | Misrepresentation of the Physical Characteristics | Appraisal for subject property reflects XXX units while data tape reflects XXX-XXX unit | 8/8 attached updated | 20250808: Received new tape |  | Cleared | 8/8/2025 | C A |
| XXX | XXXXX | 304780026 | 9768093416 | 8/7/2025 | Property | Property Data Collection | Misrepresentation of the Physical Characteristics | Appraisal for subject property reflects XXX units while data tape reflects XXX-XXX unit | 8/7 updated bid tape | 20250808: Received new tape |  | Cleared | 8/8/2025 | C A |
| XXX | XXXXX | 304780024 | 9914468225 | 8/27/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX. | 20250828: BPO | 20250829: Appraisal Review received |  | Cleared | 8/29/2025 | D A |
| XXX | XXXXX | 304780024 | 9914519549 | 8/27/2025 | Credit | Credit | Data Tape Discrepancy | Data Discrepancy: Tape reflects a XXX-XXX Unit property however, subject is a XXX-unit multi & mixed use property | 20250828: 8/28 - Bid Tape showing 5 units uploaded. | 20250829: Updated Tape received |  | Cleared | 8/29/2025 | C A |
| XXX | XXXXX | 304827263 | XXXXX-1 | 8/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304812622 | XXXXX-1 | 9/4/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/4/2025 | A |
| XXX | XXXXX | 304818063 | 9977537122 | 9/4/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing IRS issued ITIN Letter | 9/5: ITIN document uploaded | 20250905: Received ITIN documentation |  | Cleared | 9/5/2025 | D A |
| XXX | XXXXX | 304823707 | 9978571478 | 9/4/2025 | Property | Loan Documentation | Estoppel Certificate Missing or Defective | Missing XXX Certificate. Settlement Statement indicates borrower is maintaining existing Lease Agreements | 20250909: Hi, per our UW manager - We don't need an XXX certificate as there are tenants living in the 2 unit and each rental agreement has not expired and will continue to live in the property. | 20250909: Received explanation |  | Cleared | 9/9/2025 | D A |
| XXX | XXXXX | 304763852 | XXXXX-1 | 9/5/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304818150 | XXXXX-1 | 9/9/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304823549 | 10010277999 | 9/9/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided Title Insurance is a preliminary policy missing Loan policy Lender. Please provide a title supplement or updated title insurance to meet guideline requirements. | 20250911: Title supplement uploaded | 20250911: Received Title |  | Cleared | 9/11/2025 | C A |
| XXX | XXXXX | 304823549 | 10010410405 | 9/9/2025 | Property | Project Eligibility | Condo Questionnaire Missing or Defective | Missing Condominium questionnaire | 20250912: Condo Questionnaire | 20250912: Received questionnaire |  | Cleared | 9/12/2025 | D A |
| XXX | XXXXX | 304827262 | 10057228013 | 9/15/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Missing Hazard Insurance for subject property: XXX | 20250925: Insurance | 20250925: Received Insurance |  | Cleared | 9/25/2025 | D A |
| XXX | XXXXX | 304827262 | 10057228342 | 9/15/2025 | Property | Appraisal | Appraisal Review - Missing | Missing CU/LCA Score or Appraisal Review for subject property: XXX | 20250923: BPO | 20250923: Received BPO |  | Cleared | 9/23/2025 | D A |
| XXX | XXXXX | 304844011 | 10040834462 | 9/12/2025 | Credit | Assets | Insufficient Assets to Close | $XXX assets < $XXX minimum liquidity required. Please provide additional assets. Please provide operating agreement to access business accounts #XXX & #XXX and an LOE for large deposit of $XXX | 20251003: Assets uploaded | 20251003: Received assets |  | Cleared | 10/3/2025 | C A |
| XXX | XXXXX | 304823610 | 10043127164 | 9/12/2025 | Credit | Title/Lien | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Title Commitment Schedule B, Item X, reflects a Mortgage dated XX/XX/XXXX in the amount of $XXX<br> Please provide a Satisfaction of Mortgage or Verification of Mortgage evidencing payoff of the referenced lien | 20250924: Title uploaded | 20250925: Received Title |  | Cleared | 9/25/2025 | D A |
| XXX | XXXXX | 304823665 | XXXXX-1 | 9/15/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304735869 | XXXXX-1 | 9/16/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304827264 | XXXXX-1 | 9/16/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304812561 | XXXXX-1 | 9/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304844153 | XXXXX-1 | 9/18/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/18/2025 | A |
| XXX | XXXXX | 304764076 | XXXXX-1 | 9/22/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/22/2025 | A |
| XXX | XXXXX | 304817943 | XXXXX-1 | 9/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304827259 | XXXXX-1 | 9/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304817889 | 18019301245 | 9/22/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing Identification for borrower: XXX | driver's license | Received driver's license |  | Cleared | 9/23/2025 | D A |
| XXX | XXXXX | 304844165 | XXXXX-1 | 9/26/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304843893 | 18081220611 | 9/30/2025 | Credit | Credit | Deed Missing or Defective | Missing Conveyance Deed from XXX to XXX. | 20251003: Deed uploaded | 20251003: Received Deed |  | Cleared | 10/3/2025 | D A |
| XXX | XXXXX | 304823653 | 18091556101 | 10/1/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance Effective Date is XX/XX/XXXX. Disbursement date is XX/XX/XXXX. Please provide updated policy reflecting coverage effective on or before the Disbursement Date, or Final Settlement Statement reflecting Disbursement Date of XX/XX/XXXX |  | 20251003: Received amended HUD |  | Cleared | 10/3/2025 | C A |
| XXX | XXXXX | 304843893 | 18081211971 | 9/30/2025 | Credit | Borrower and Mortgage Eligibility | Excessive LTV Ratio | XXX% LTV > XXX% Max LTV for borrower with XXX FICO | 20250930: Approved Exception Waiver in file | 20250930: Received approved Exception Waiver | DSCR >XXX, Experienced Investor, Reserves verified over XX months, Mtg history XxXXxXX & XxXX on all other accts | Acknowledged | 9/30/2025 | C B |
| XXX | XXXXX | 304848384 | XXXXX-1 | 10/2/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304780023 | XXXXX-1 | 10/2/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304844268 | XXXXX-1 | 10/2/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304848374 | 18128695358 | 10/7/2025 | Credit | Assets | Undocumented Large Deposit/Increase | Large deposit in of $XXX into account #XXX requires sourcing. Please upload the source of this large deposit. | 20251010:The borrower had an equity line which is the first attachment to this email. The heloc statement is showing the borrowers withdrawing that money out of their account.<br> The other attachment is showing the heloc withdraw of XXXk going into the borrowers statement. | 20251010: Received Source |  | Cleared | 10/10/2025 | C A |
| XXX | XXXXX | 304848374 | 18128962062 | 10/7/2025 | Property | Property Eligibility | Appraisal Review - Missing | Missing Appraisal review for the Subject Property:XXX | 20251010: BPO uploaded | 20251010: Received BPO |  | Cleared | 10/10/2025 | D A |
| XXX | XXXXX | 304817955 | 18133054965 | 10/7/2025 | Credit | Credit | Credit Report Missing or Defective | Missing Credit report for: XXX | 20251008: Report uploaded | 20251008: Received Report |  | Cleared | 10/8/2025 | D A |
| XXX | XXXXX | 304859730 | XXXXX-1 | 10/7/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/7/2025 | A |
| XXX | XXXXX | 304848382 | 18131994752 | 10/7/2025 | Credit | Assets | Insufficient Assets for Reserves | $XXX assets < $XXX minimum liquidity required. Please provide additional assets. | 20251014: Attached FSS | 20251014: Received FSS |  | Cleared | 10/14/2025 | C A |
| XXX | XXXXX | 304859728 | XXXXX-1 | 10/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/8/2025 | A |
| XXX | XXXXX | 304859650 | 18144248806 | 10/8/2025 | Credit | Credit | Entity Documentation - Missing or Defective | Missing Articles of Organization, Operating Agreement and EIN for XXX | 20251010: Entity docs uploaded | 20251010: Received Entity documents |  | Cleared | 10/10/2025 | D A |
| XXX | XXXXX | 304859649 | XXXXX-1 | 10/8/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/8/2025 | A |
| XXX | XXXXX | 304818191 | 18171273296 | 10/13/2025 | Credit | Credit | DSCR Minimum Not Met | XXX < XXX minimum DSCR required for Core DSCR program. $XXX P/I + $XXX taxes + $XXX insurance + $XXX HOA = $XXX monthly payment / $XXX gross rent. | 20251015: Correction in taxes | 20251016: Taxes received |  | Cleared | 10/16/2025 | C A |
| XXX | XXXXX | 304818191 | 18171279169 | 10/13/2025 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing Identification for borrower: XXX | 20251015: ID | 20251016: ID received |  | Cleared | 10/16/2025 | D A |
| XXX | XXXXX | 304425257 | 7659200293 | 10/17/2024 | No Findings | Appraisal | Appraisal Review - Missing | Missing Appraisal review for subject property located at: XXX | Hi, please see attached Appraisal Review. | 20241024: Received appraisal review. |  | Cleared | 10/24/2024 | D A |
| XXX | XXXXX | 304438762 | XXXXX-1 | 11/14/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/14/2024 | A |
| XXX | XXXXX | 304638111 | XXXXX-1 | 3/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/4/2025 | A |
| XXX | XXXXX | 304638228 | XXXXX-1 | 3/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/5/2025 | A |
| XXX | XXXXX | 304757663 | 9598397153 | 7/15/2025 | Property | Borrower and Mortgage Eligibility | Subject Property Lease - Missing or Defective | Informational only- Ineligible Lease Agreement. Subject Property consists of XXX units. Lease Agreement in file shows XXX tenant leasing all XXX units (A-C) | 7/16 Please clarify next steps. Is there anything that I would need to provide. | 20250718: Received LOE from XXX via email. |  | Cleared | 7/18/2025 | C A |
| XXX | XXXXX | 304748512 | 9625192715 | 7/18/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | Provided title insurance is a preliminary policy with lender's name and insured amount missing. Please provide a title supplement or updated title insurance to meet guideline requirements. | 7/21- title | 20250721: Received title |  | Cleared | 7/21/2025 | C A |
| XXX | XXXXX | 304748512 | 9622914322 | 7/18/2025 | Credit | Loan Documentation | Deed Missing or Defective | Missing Conveyance deed from XXX to XXX and XXX | 7/23- deed | 20250724: Received Deed |  | Cleared | 7/24/2025 | D A |
| XXX | XXXXX | 304748512 | 9623269513 | 7/18/2025 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for: XXX | 7/24- BPO | 20250724: Received BPO |  | Cleared | 7/24/2025 | D A |
| XXX | XXXXX | 304748515 | XXXXX-1 | 7/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/24/2025 | A |
| XXX | XXXXX | 304757797 | XXXXX-1 | 7/28/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/28/2025 | A |
| XXX | XXXXX | 304757632 | XXXXX-1 | 7/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 7/29/2025 | A |
| XXX | XXXXX | 304375542 | FCRE8999 | 8/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 8/30/2024 | A |
| XXX | XXXXX | 304375542 | FPRO8998 | 8/30/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 8/30/2024 | A |
| XXX | XXXXX | 304495363 | FCRE1325 | 2/6/2025 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing The file does not contain any corporate documentation confirming the borrower owns XXX% of XXX. The addendum to the XXX from the Lender's UW states that "The borrower is XXX% owner of his company XXX as confirmed by his accountant". Lender to provide this letter confirming percentage and duration of ownership. | Document Uploaded. | Borrower 1 CPA Letter Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2025 | D A |
| XXX | XXXXX | 304495363 | FPRO9990 | 2/6/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX addendum from the Lender references the Fannie SSR score is XXX. However, the UCDP report in file is incomplete and does not include the SSR score. Lender to provide. | Document Uploaded. | Third party valuation product provided within tolerance. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/6/2025 | C A |
| XXX | XXXXX | 304495363 | FCRE2109 | 2/5/2025 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | The borrower has been qualified using XXX months business bank statements. The file is missing the Lender Income Calculation worksheet confirming the total disallowed deposits of $XXX. Lender to provide complete Lender Income Calculation worksheet. | Document Uploaded. | ; Income calculator provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/5/2025 | D A |
| XXX | XXXXX | 304495363 | FCOM8997 | 1/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 1/30/2025 | A |
| XXX | XXXXX | 304495398 | FCRE2500 | 3/5/2025 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. Lender Guidelines require a personal guaranty from both members unless they have already signed both personally and as members on the Note. The borrowers have only signed as members. A Business Guaranty has been provided signed by BX; however, Lender to provide fully executed Personal Guarantees from both members. Additionally, GLs require signed Borrowing Certificates (LLC) from both borrowers which is not in file. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Personal Guaranty provided.; Borrowing Certificate XXX signed by both borrowers received. ; Received Personal Guaranties signed personally from both members. Missing signed Borrowing Certificates (XXX) from both borrowers.; Business Guaranties signed by both parties as managing members provided, missing Personal Guaranties signed personally from both members. Additionally, GLs require signed Borrowing Certificates (XXX) from both borrowers which is not in file. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/5/2025 | D A |
| XXX | XXXXX | 304495398 | FCRE1334 | 3/5/2025 | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Borrower XXX Executed XXX-T Missing The file contains a XXX W-X for BX which has been used to qualify. Additionally, the file contains the corresponding W-X XXX Transcripts. Lender to provide signed XXX-T from BX for permission to obtain the XXX W-X Transcript. | Document Uploaded. ; Document Uploaded. | Borrower 1 Executed 4506-T Provided; 4506-C forms signed by borrower received.; 4506-C received does not indicate permission for W-2 transcripts, # 7 on the 4506-C was not checked. Also, 4506-C must be signed by borrower and not as LLC as only borrower's name on W2 Transcripts. Provide signed 4506-T from B1 for permission to obtain the 2023 W-2 Transcript. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/5/2025 | D A |
| XXX | XXXXX | 304495398 | FCRE1182 | 3/5/2025 | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. File is missing XXX and loan approval. Lender to provide. Lender to also clarify that loan was approved and priced as a Flex Select Prime for N/O. Rate Lock reflects "XXX"; however, subject loan is a non-owner and there is no DU in file. | Document Uploaded. | Approval/Underwriting Summary is fully present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/5/2025 | B A |
| XXX | XXXXX | 304495398 | FCOM3596 | 2/17/2025 | Credit | Missing Doc | Missing Prepayment Rider | Missing Prepayment Rider | Document Uploaded. ; Rider it not required, it only needs to be present if the check box is marked indicating they intended to include it. | Prepayment Rider provided, condition resolved. ; PPP Addendum to Note Provided for review.; The Prepayment Addendum to the Note as specified in the Borrower's Right to Prepay section on the Note is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/17/2025 | D A |
| XXX | XXXXX | 304495398 | FCOM1209 | 2/11/2025 | Compliance | Closing | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Lender to provide the fully executed Prepayment Penalty Addendum to the Note or revised Final Closing Disclosure removing the reference to PPP. | Document Uploaded. | PPP provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/11/2025 | C A |
| XXX | XXXXX | 304495398 | FPRO8998 | 2/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/11/2025 | A |
| XXX | XXXXX | 304495398 | FCOM8997 | 2/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 2/11/2025 | A |
| XXX | XXXXX | 304489899 | finding-3352 | 2/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/14/2025 | A |
| XXX | XXXXX | 304489899 | FCRE8999 | 2/14/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/14/2025 | A |
| XXX | XXXXX | 304489899 | FPRO8998 | 2/14/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/14/2025 | A |
| XXX | XXXXX | 304495397 | FCOM5135 | 3/6/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 3/6/2025 | B A |
| XXX | XXXXX | 304495397 | FCRE8999 | 2/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2025 | A |
| XXX | XXXXX | 304495397 | FPRO8998 | 2/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 2/27/2025 | A |
| XXX | XXXXX | 304655153 | FCRE8999 | 3/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 3/12/2025 | A |
| XXX | XXXXX | 304655153 | FPRO8998 | 3/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 3/12/2025 | A |
| XXX | XXXXX | 304655153 | FCOM8997 | 3/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 3/12/2025 | A |
| XXX | XXXXX | 304495382 | FCOM5135 | 4/8/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Confirmed no affiliates used in the transaction; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/8/2025 | B A |
| XXX | XXXXX | 304495382 | FCRE8999 | 3/20/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/20/2025 | A |
| XXX | XXXXX | 304495382 | FPRO8998 | 3/20/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 3/20/2025 | A |
| XXX | XXXXX | 304669346 | finding-3352 | 4/2/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/2/2025 | A |
| XXX | XXXXX | 304669346 | FCRE8999 | 4/2/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/2/2025 | A |
| XXX | XXXXX | 304669346 | FPRO8998 | 4/2/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/2/2025 | A |
| XXX | XXXXX | 304679044 | FCRE5782 | 5/1/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing Missing gap credit report as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed Debt monitoring report dated within 30 days of closing received. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/1/2025 | D A |
| XXX | XXXXX | 304679044 | FCRE3653 | 5/1/2025 | Credit | Missing Doc | Missing letter of explanation | Missing letter of explanation from Borrower stating there are no HOA dues for vacant land property. | Document Uploaded. | Property printout indicates no HOA payments. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/1/2025 | D A |
| XXX | XXXXX | 304679044 | finding-3352 | 4/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/28/2025 | A |
| XXX | XXXXX | 304679044 | FPRO8998 | 4/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 4/28/2025 | A |
| XXX | XXXXX | 304695165 | FPRO9990 | 11/10/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. No valid secondary review product was provided. | Document Uploaded. | Third party valuation product provided within tolerance.; Desk Review (CCA) for the subject property was received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/10/2025 | C A |
| XXX | XXXXX | 304695165 | FCOM8997 | 5/5/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/5/2025 | A |
| XXX | XXXXX | 304695165 | FCRE8999 | 5/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/5/2025 | A |
| XXX | XXXXX | 304695165 | FPRO8998 | 5/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/5/2025 | A |
| XXX | XXXXX | 304695182 | finding-3634 | 5/7/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount points. This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/7/2025 | C A |
| XXX | XXXXX | 304695182 | finding-3635 | 5/7/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi). TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the title endorsement fee. | Document Uploaded. | Borrower used shopped for title agent, title agent used 3rd party outsourced title provider therefore those fees are not subject to 10%; Exception resolved; Borrower used shopped for title agent, title agent used 3rd party outsourced title provider therefore those fees are not subject to 10%; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/7/2025 | C A |
| XXX | XXXXX | 304695182 | FCRE8999 | 5/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/5/2025 | A |
| XXX | XXXXX | 304695182 | FPRO8998 | 5/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/5/2025 | A |
| XXX | XXXXX | 304694716 | FCRE5116 | 5/15/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for primary residence and verification of PITI. Additional conditions may apply. | Document Uploaded. Primary is also with XXX--- see attached copy of Note and First Payment Letter from Loan # XXXXX, thank you!; Document Uploaded. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Copy of Note and indicates subject property was purchased on XX/XX/XXXX. Prior housing history is reflected on the credit report. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/15/2025 | D A |
| XXX | XXXXX | 304694716 | FCOM8997 | 5/6/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/6/2025 | A |
| XXX | XXXXX | 304694716 | FPRO8998 | 5/6/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/6/2025 | A |
| XXX | XXXXX | 304694696 | FCOM1227 | 5/15/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing The Appraisal reflects that the subject property is in a PUD. A PUD Rider was not found in the loan file. | The property is a detached Condo, there is a condo rider | The PUD Rider is Present or is Not Applicable (Property Type is Condominium); Lender dispute received - subject is a detached condo - condo rider is in file. 1004 was marked as PUD, but noted a detached condo. ; The PUD Rider is Present or is Not Applicable (Property Type is Single Family Detached) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 5/15/2025 | D A |
| XXX | XXXXX | 304694696 | FCRE3472 | 5/15/2025 | Credit | Assets | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. | NSF's are deposited items returned- meaning whoever wrote the check to them did not have the funds to cover the check vs the borrower having insufficient funds. | Overdraft/NSF count within tolerance.; Received lender's rebuttal. Reviewed business bank statements for #XXX and no NSFs or overdrafts are present. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 5/15/2025 | C A |
| XXX | XXXXX | 304694696 | finding-3352 | 5/8/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 5/8/2025 | A |
| XXX | XXXXX | 304694696 | FPRO8998 | 5/8/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 5/8/2025 | A |
| XXX | XXXXX | 304694769 | FCRE1437 | 5/16/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require a verbal VOE from each employer within XXX days of the note date. VVOE provided for co-borrower is dated XX/XX/XXXX and loan closed XX/XX/XXXX. | Document Uploaded. Correct, that was a typo. Please see corrected VOE for B2.; Document Uploaded. Hi, the loan did not fund until XX/XX/XXXX. Please see PCCD with interest on XX/XX/XXXX. | Income and Employment Meet Guidelines; Corrected VVOE provided for B2 reflecting a verification date of XX/XX/XXXX. ; Income and Employment Do Not Meet Guidelines; Corrected VVOE for borrower 2 provided with a date of XX/XX/XXXX. ; Post closing CD and lender rebuttal received. This does not cure the finding as the Verbal VOE for XXX is dated XX/XX/XXXX which is more than XXX days prior to closing. Please provide an updated VVOE for B2 as it appears the date was typed incorrectly on the VVOE form. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/16/2025 | C A |
| XXX | XXXXX | 304694769 | finding-3352 | 5/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/14/2025 | A |
| XXX | XXXXX | 304694769 | finding-2962 | 5/14/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/14/2025 | A |
| XXX | XXXXX | 304694769 | FPRO8998 | 5/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/14/2025 | A |
| XXX | XXXXX | 304694658 | FCOM8997 | 5/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/14/2025 | A |
| XXX | XXXXX | 304694658 | FCRE8999 | 5/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/14/2025 | A |
| XXX | XXXXX | 304694658 | FPRO8998 | 5/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/14/2025 | A |
| XXX | XXXXX | 304704711 | FCOM1233 | 7/15/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final XXX is Incomplete Final XXX provided is missing the following business (Schedule C) in the employment section. Lender used Schedule C income for qualification. | Document Uploaded. ; Document Uploaded. | The Final 1003 is Present; Updated final 1003 received including XXX. ; Updated income calculation worksheet indicate income from XXX and XXX were utilized. Missing an updated 1003 application to include XXX in the Current Employment and Income section. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/15/2025 | D A |
| XXX | XXXXX | 304704711 | FCRE1325 | 6/27/2025 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing Missing verification of Schedule C business listed on personal tax returns. Also missing the CPA letter used by Lender for business "XXX". Additional conditions may apply. | Document Uploaded. This file was not submitted until XX/XX/XXXX. The XX/XX/XXXX date you are referring to is the date of annual filing not the date it was verified. The business has been open and active since XX/XX/XXXX per initial filing date. Thank you; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Borrower 1 CPA Letter Provided; SOS verification of employment provided; Received P&L for XXX, still missing a third party Verification the business is open and operating within 60 days of closing for XXX. A CPA letter or other third party documentation (online website search, licensing information from Secretary of State, etc.) as required per the lender guideline is missing. ; We are still missing the third party Verification the business is open and operating within 60 days of closing for XXX. A CPA letter or other third party documentation (online website search, licensing information from Secretary of State, etc.) We are also still missing the 2024 P&L for XXX. ; Received the updated final 1003 including XXX and income calculations worksheet. ; Updated income calculation worksheet indicate income from XXX and XXX were utilized. Missing an updated 1003 application to include XXX in the Current Employment and Income section. A 2024 year end Profit and loss statement for XXX is missing. Also missing verification of existence of the business (XXX) within 60 days of the Note date to ensure the business is active. Also missing the CPA letter used by Lender for business "XXX".; Borrower 1 CPA Letter Missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/27/2025 | D A |
| XXX | XXXXX | 304704711 | FCRE1437 | 6/27/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX & XXX P&L income for Schedule C business. Additional conditions may apply. | Document Uploaded. This file was not submitted until XX/XX/XXXX. The XX/XX/XXXX date you are referring to is the date of annual filing not the date it was verified. The business has been open and active since XX/XX/XXXX per initial filing date. Thank you<br>; Document Uploaded. ; Document Uploaded. | Income and Employment Meet Guidelines; Received the updated final 1003, 1008, Secretary Of State printout for XXX, and lender's income calculation worksheet. Received P&L for XXX, still missing a third party Verification the business is open and operating within 60 days of closing for XXX A CPA letter or other third party documentation (online website search, licensing information from Secretary of State, etc.) as required per the lender guideline is missing. ; Updated income calculation worksheet indicate income from XXX and XXX were utilized. Missing an updated 1003 application to include XXX in the Current Employment and Income section. A 2024 year end Profit and loss statement for XXX is missing. Also missing verification of existence of the business (XXX) within 60 days of the Note date to ensure the business is active. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/27/2025 | C A |
| XXX | XXXXX | 304704711 | FCRE1159 | 6/27/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. | Document Uploaded. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Final settlement statement reflect a disbursement date of XX/XX/XXXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/27/2025 | C A |
| XXX | XXXXX | 304704711 | FCRE1193 | 6/27/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI higher due to borrower's income is lower. S-Corp business "XXX" income is $XXX vs. $XXX used by lender. Lender included XXXs line #XXX income of $XXX as positive vs. a loss. | Document Uploaded. | Audited DTI of 47.81% is less than or equal to Guideline DTI of 50% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/27/2025 | C A |
| XXX | XXXXX | 304704711 | FCRE1497 | 6/27/2025 | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered ATR risk due to DTI exceeds guidelines borrower's income is lower. | Document Uploaded. This file was not submitted until XX/XX/XXXX. The XX/XX/XXXX date you are referring to is the date of annual filing not the date it was verified. The business has been open and active since XX/XX/XXXX per initial filing date. Thank you; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | ATR: Reasonable Income or Assets Was Considered; SOS verification of employment provided; Received 2024 P&L for XXX, still missing a third party Verification the business is open and operating within 60 days of closing for XXX A CPA letter or other third party documentation (online website search, licensing information from Secretary of State, etc.) as required per the lender guideline is missing. ; Received the updated final 1003, 1008, Secretary Of State printout for XXX, and lender's income calculation worksheet. We are still missing a 2024 year end Profit and loss statement for XXX and the third party verification of the business open and operating within 60 days of closing for XXX. ; Received an updated final 1003, 1008, lender's income worksheet, and VOB/SOS printout for XXX. Still missing the 2024 P&L and Letter from the COA on XXX. ; Updated income calculation worksheet indicate income from XXX and XXX were utilized. Missing an updated 1003 application to include XXX in the Current Employment and Income section. A 2024 year end Profit and loss statement for XXX is missing. Also missing verification of existence of the business (XXX) within 60 days of the Note date to ensure the business is active. ; ATR: Reasonable Income or Assets Not Considered | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/27/2025 | C A |
| XXX | XXXXX | 304704711 | FCOM8997 | 5/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/15/2025 | A |
| XXX | XXXXX | 304704711 | FPRO8998 | 5/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/15/2025 | A |
| XXX | XXXXX | 304704774 | FCRE1440 | 6/23/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence of XX/XX/XXXX mortgage payment for Xst lien mortgage paid off at closing. Guidelines require housing history of XXX. Additional conditions may apply. | Document Uploaded. uploading the payoff that was received on XX/XX/XXXX showing the next due date was XX/XX/XXXX for review | Housing History Meets Guideline Requirements; Received the payoff statement reflecting when issued on XX/XX/XXXX the borrower is due for the XX/XX/XXXX payment which means they were not 30 days or more past due when the XX/XX/XXXX payment was made. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/23/2025 | C A |
| XXX | XXXXX | 304704774 | FCRE1438 | 6/23/2025 | Credit | Eligibility | ATR Risk | ATR Risk due to DTI exceeds guidelines IO qualifying payment is $XXX vs. $XXX used by lender. | please review this after reviewing the DTI condition. THANK YOU! | DTI issue resolved, exception resolved.; ATR Risk Resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/23/2025 | C A |
| XXX | XXXXX | 304704774 | FCRE1193 | 6/23/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Qualifying DTI of XXX% exceeds guideline maximum of XXX%. Interest Only qualifying payment is $XXX vs. $XXX used by lender. | Document Uploaded. The DTI on this one is now under XXX%. I am omitting the XXX auto loan that is paid by the business. I included the XXX business account to evidence the XX/XX/XXXX auto payment. 1008/1003 has been updated omitting the auto loan and added the personal and business assets. Debt Omitted: XXX #XXX installment loan paid by business---XXX #XXX Copies of the cancelled checks included in the business bank statements which verifies checks made out to the creditor--XXX. All attached to this condition for review.; Per U/W: Took out the XXX HOA fee and updated qualifying rate to XXX resulting in a DTI of XXX. Not sure where they got XXX%.. If the DTI is still being calculated on your side out of guidelines, please provide the calculation breakdown so the u/w can review. THank you! | Twelve months bank statements provided showing XXX debt paid by business. DTI meets GLs. Exception resolved. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%. According to lender guidelines for interest-only loans qualifying ratios are based on PITIA payment with the P&I payment amortized over the scheduled remaining loan term at the time of recast after the interest-only period has expired. Audit used a P&I payment of XXX (XXX% @240 mos). DTI of XXX% calculated as follows, Income of $XXX and total debts of $XXX , total debts include P&I - XXX, taxes-XXX, insurance – XXX; REO liability of $XXX and credit liabilities of $XXX. Condition remains. ; | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/23/2025 | C A |
| XXX | XXXXX | 304704774 | FCOM1233 | 6/23/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final XXX is Incomplete Final XXX and XXX reflects an Association/Project Dues fee of $XXX for subject property, however no documentation was provided or located in file confirming said fee. Provide documentation for $XXX fee. Additional conditions may apply. | Document Uploaded. Please see updated 1003 and 1008, $XXX removed. | The Final 1003 is Present; Updated 1003 application and updated 1008 approval received indicating HOA fee of $XXX was removed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/23/2025 | D A |
| XXX | XXXXX | 304704774 | FCRE3843 | 6/23/2025 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months reserves total of $XXX, borrower is short $XXX. | Document Uploaded. Loan exception for reserves and cash out seasoning requirement not being met has been approved. Per guidelines prior cash out in the past 6 months not permitted. Borrower took out a private 2nd mtg XX/XX/XXXX which was paid off through our subject closing. And reserves required is 5 months, we have 2.5 months reserves verified.<br> 1008/1003 has been updated omitting the auto loan and added the personal and business assets | Exception for cash out seasonings and reserves approved, per GL prior cash out in the past 6 months are not permitted. Borrower took out private 2nd mortgage XX/XX/XXXX paid off through subject closing, reserves required is 5 months and 2.5 months are verified. Comp factors: stable business open over 20 years, Residual income >XXXk, Fico XXX points over GL, mortgage 0x30x12.; The required number of months reserves are to be seasoned does not meet Guideline requirement. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes D B |
| XXX | XXXXX | 304704774 | FCRE9995 | 6/23/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves total of $XXX. Borrower is short $XXX, audit used the following funds to cover reserves, however borrower is still short reserves. Final CD cash back received at closing of $XXX plus business funds of $XXX and personal funds of $XXX. Additional conditions may apply. | Document Uploaded. Loan exception for reserves and cash out seasoning requirement not being met has been approved. Per guidelines prior cash out in the past 6 months not permitted. Borrower took out a private 2nd mtg XX/XX/XXXX which was paid off through our subject closing. And reserves required is 5 months, we have 2.5 months reserves verified.<br> 1008/1003 has been updated omitting the auto loan and added the personal and business assets | Exception for cash out seasonings and reserves approved, per GL prior cash out in the past 6 months are not permitted. Borrower took out private 2nd mortgage XX/XX/XXXX paid off through subject closing, reserves required is 5 months and 2.5 months are verified. Comp factors: stable business open over 20 years, Residual income >XXXk, Fico XXX points over GL, mortgage 0x30x12.; Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B A |
| XXX | XXXXX | 304704774 | FCRE1492 | 6/23/2025 | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Cash out seasoning requirement not met due to borrower taking out a private held second lien of $XXX on XX/XX/XXXX. Guidelines only allow for a HELOC to be opened in the past XXX months and will not be considered cash out for the XXX months seasoning requirement. | Document Uploaded. Loan exception for reserves and cash out seasoning requirement not being met has been approved. Per guidelines prior cash out in the past 6 months not permitted. Borrower took out a private 2nd mtg XX/XX/XXXX which was paid off through our subject closing. And reserves required is 5 months, we have 2.5 months reserves verified.<br> 1008/1003 has been updated omitting the auto loan and added the personal and business assets | Exception for cash out seasonings and reserves approved, per GL prior cash out in the past 6 months are not permitted. Borrower took out private 2nd mortgage XX/XX/XXXX paid off through subject closing, reserves required is 5 months and 2.5 months are verified. Comp factors: stable business open over 20 years, Residual income >XXXk, Fico XXX points over GL, mortgage 0x30x12. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B A |
| XXX | XXXXX | 304704774 | FCOM8997 | 5/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/19/2025 | A |
| XXX | XXXXX | 304704774 | FPRO8998 | 5/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 5/19/2025 | A |
| XXX | XXXXX | 304694639 | FCRE9995 | 6/3/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. Cash to close is $XXX Verified assets = $XXX (borrs actual reserves = 15 months, required reserves = 3 months) | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Borrower's XXX bank account was received. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/3/2025 | C A |
| XXX | XXXXX | 304694639 | finding-3352 | 5/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/23/2025 | A |
| XXX | XXXXX | 304694639 | finding-2962 | 5/23/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/23/2025 | A |
| XXX | XXXXX | 304694639 | FPRO8998 | 5/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 5/23/2025 | A |
| XXX | XXXXX | 304866914 | FCOM8997 | 6/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/11/2025 | A |
| XXX | XXXXX | 304866914 | FCRE8999 | 6/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/11/2025 | A |
| XXX | XXXXX | 304866914 | FPRO8998 | 6/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/11/2025 | A |
| XXX | XXXXX | 304757071 | FCOM1223 | 7/14/2025 | Credit | Closing | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed A required, executed and notarized Deed of Trust with any applicable Riders were missing from the loan file. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Executed | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/14/2025 | D A |
| XXX | XXXXX | 304757071 | FCOM8997 | 6/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/27/2025 | A |
| XXX | XXXXX | 304757071 | FPRO8998 | 6/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/27/2025 | A |
| XXX | XXXXX | 304757062 | FCOM8997 | 6/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/27/2025 | A |
| XXX | XXXXX | 304757062 | FCRE8999 | 6/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/27/2025 | A |
| XXX | XXXXX | 304757062 | FPRO8998 | 6/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/27/2025 | A |
| XXX | XXXXX | 304757075 | FCRE2009 | 7/14/2025 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage Lender to verify rent loss insurance covering XXX months as required by guideline. | Document Uploaded. ; Document Uploaded. | Documentation is sufficient. Rent loss coverage provided. Exception resolved.; Rent Loss Coverage Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/14/2025 | D A |
| XXX | XXXXX | 304757075 | FCOM8997 | 6/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757075 | FPRO8998 | 6/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757138 | finding-3352 | 6/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757138 | finding-2623 | 6/30/2025 | Compliance | Points & Fees | MD COMAR Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the MD COMAR higher-priced mortgage loan test. (XXX COMAR XXXX.XXXXB(XX) , COMAR XXXX.XXXXB(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR).While the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757138 | FCRE8999 | 6/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757138 | FPRO8998 | 6/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757081 | FCRE8999 | 6/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757081 | FPRO8998 | 6/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757081 | FCOM8997 | 6/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 6/30/2025 | A |
| XXX | XXXXX | 304757134 | finding-3352 | 7/1/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow estalished, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/1/2025 | A |
| XXX | XXXXX | 304757134 | FCRE8999 | 7/1/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/1/2025 | A |
| XXX | XXXXX | 304757134 | FPRO8998 | 7/1/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/1/2025 | A |
| XXX | XXXXX | 304757049 | FCRE8999 | 7/7/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 7/7/2025 | A |
| XXX | XXXXX | 304757049 | FPRO8998 | 7/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 7/7/2025 | A |
| XXX | XXXXX | 304757049 | FCOM8997 | 7/7/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 7/7/2025 | A |
| XXX | XXXXX | 304757099 | FCRE9995 | 7/25/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Total assets, including $XXX for unused XXX Earnest Money Deposits of $XXX each, $XXX-$XXX for XXX months reserves(XXX additional months required for financed REO's XX/XX/XXXX XXX)-$XXX(Monthly XXX balance due)-$XXX, funds due from borrower(Final CD)=-$XXX | Document Uploaded. | Documentation is sufficient. Asset statement provided. Exception resolved.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/25/2025 | C A |
| XXX | XXXXX | 304757099 | FCRE1193 | 7/25/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Final XXX reflects a monthly mortgage payment of $XXX and property taxes of $XXX for REO's XX/XX/XXXX XXX. Individual Notes for XXX, XXX and XXX, with a XXX month repayment term, reflect an aggregate monthly mortgage payment of $XXX and property taxes, as indicated on Final HUD-X, of $XXX. | Document Uploaded. | Documentation sufficient. CPA letter provided. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/25/2025 | C A |
| XXX | XXXXX | 304757099 | finding-3352 | 7/8/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/8/2025 | A |
| XXX | XXXXX | 304757099 | FPRO8998 | 7/8/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/8/2025 | A |
| XXX | XXXXX | 304757069 | FCRE1479 | 7/17/2025 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing acceptable documentation to source XXX large deposits into XXX acct #XXX $XXX XX/XX/XXXX, $XXX XX/XX/XXXX and $XXX XX/XX/XXXX to use funds for closing and reserve. Large deposits are considered a single deposit greater than XXX% of the monthly qualifying income. | Document Uploaded. | Guidelines require large deposits to be sourced, and when using gift funds over 75% LTV the Borrower must contribute at least 5% of their own funds. The subject LTV is at 80%, and 100% of gift funds were used. However, an Exception Request was approved to use 100% gift funds at 80% LTV, citing compensating factors of low DTI, significant residual income and excessive reserves. Acknowledged and downgraded.; Asset Record 1 Meets G/L Requirements | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304757069 | FCOM8997 | 7/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/9/2025 | A |
| XXX | XXXXX | 304757069 | FPRO8998 | 7/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/9/2025 | A |
| XXX | XXXXX | 304757064 | FCRE1151 | 7/15/2025 | Credit | Title | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided - Missing 24 month Chain of Title. | Document Uploaded. | Documentation is sufficient. Warranty Deed provided. Exception resolved.; Satisfactory Chain of Title has been provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/15/2025 | C A |
| XXX | XXXXX | 304757064 | FCOM1223 | 7/11/2025 | Credit | Closing | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Valid | Document Uploaded. This was in the file. | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Executed | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/11/2025 | D A |
| XXX | XXXXX | 304757064 | FCOM8997 | 7/9/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2025 | A |
| XXX | XXXXX | 304757064 | FPRO8998 | 7/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/9/2025 | A |
| XXX | XXXXX | 304757108 | finding-3352 | 7/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757108 | FCRE8999 | 7/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757108 | FPRO8998 | 7/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757073 | finding-3352 | 7/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757073 | FCRE8999 | 7/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757073 | FPRO8998 | 7/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757093 | FCOM8997 | 7/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757093 | FCRE8999 | 7/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757093 | FPRO8998 | 7/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757074 | FCOM8997 | 7/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757074 | FCRE8999 | 7/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304757074 | FPRO8998 | 7/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/10/2025 | A |
| XXX | XXXXX | 304866916 | FCRE5782 | 8/13/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing Guidelines require a Gap Credit Report within XXX days of closing. Please provide Gap Credit Report. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/13/2025 | D A |
| XXX | XXXXX | 304866916 | finding-3352 | 7/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2025 | A |
| XXX | XXXXX | 304866916 | FPRO8998 | 7/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/14/2025 | A |
| XXX | XXXXX | 304757168 | FCRE9995 | 8/21/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. XXX months required per guidelines. | Document Uploaded. ; Document Uploaded. | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Updated lock confirmation indicates the loan program as XXX with DU option utilized, zero reserves required per DU. ; Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX.; The lender has provided DU/AUS run XX/XX/XXXX requiring 0 months of reserves. Loan was not locked as a XXX product, 12 month business bank statement. Please provide updated lock confirmation for this product. Lock confirmation in the file reflects as Flex Select with 6 months of reserves required. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/21/2025 | C A |
| XXX | XXXXX | 304757168 | finding-2838 | 7/15/2025 | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | This loan failed the XXX HOEPA higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report.While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Meets escrow and appraisal requirements. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/15/2025 | A |
| XXX | XXXXX | 304757168 | finding-3352 | 7/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Meets escrow and appraisal requirements. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/15/2025 | A |
| XXX | XXXXX | 304757168 | FPRO8998 | 7/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/15/2025 | A |
| XXX | XXXXX | 304735951 | FCRE1437 | 7/24/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender income calculation worksheet page XXX is missing XXX business deposits. Lender only calculated XXX months instead of XXX months per XXX guidelines. Audit used CPA letter expense factor of XXX%. Audit used Lender income calculation of $XXX for most conservative income approach instead of Audit income of $XXX. | Document Uploaded. | Lender provided revised UW worksheet showing XXX was included in the income calculation. Exception resolved. ; Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/24/2025 | C A |
| XXX | XXXXX | 304735951 | finding-3352 | 7/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/15/2025 | A |
| XXX | XXXXX | 304735951 | FPRO8998 | 7/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/15/2025 | A |
| XXX | XXXXX | 304757145 | finding-3635 | 8/12/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX on the initial LE dated XX/XX/XXXX to $XXX on the final CD dated XX/XX/XXXX for the recording fees. | Document Uploaded. ; Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; The COC provided does not list a valid reason to explain why the recording fees increased. Therefore the 10% tolerance violation remains in the amount of $XXX which is due to increase from $XXX on the initial LE dated XX/XX/XXXX to $XXX on the final CD dated XX/XX/XXXX for the recording fees. Please provide a cure package that contains a PCCD, LOE, Copy of refund check with proof of shipment. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/12/2025 | C A |
| XXX | XXXXX | 304757145 | finding-3352 | 8/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/12/2025 | A |
| XXX | XXXXX | 304757145 | FCRE5782 | 8/7/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Lender uploaded Fraud report for the Undisclosed Debt Monitoring | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/7/2025 | D A |
| XXX | XXXXX | 304757145 | finding-3634 | 7/24/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX on the initial LE dated X/XX/XXXX to $XXX on the final CD dated X/XX/XXXX for the loan discount fee. This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). | Document Uploaded. | Valid COC Provided; Exception resolved; Valid COC Provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/24/2025 | C A |
| XXX | XXXXX | 304757145 | FPRO8998 | 7/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/16/2025 | A |
| XXX | XXXXX | 304735891 | FPRO8998 | 7/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/20/2025 | A |
| XXX | XXXXX | 304735891 | FCOM8997 | 7/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/20/2025 | A |
| XXX | XXXXX | 304756934 | FCOM9186 | 8/1/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Cure provide a copy of the signed document. | Document Uploaded. | Evidence of eConsent is provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/1/2025 | B A |
| XXX | XXXXX | 304756934 | FCRE0377 | 8/1/2025 | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of $XXX is insufficient, not meeting the required coverage amount of $XXX. | Document Uploaded. | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Lender uploaded replacement cost. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/1/2025 | C A |
| XXX | XXXXX | 304756934 | FCRE7347 | 8/1/2025 | Credit | Missing Doc | Missing Lease Agreement | Please provide Lease agreement for XXX #XXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Received approved lender Exception requesting an exception for missing 2 months bank statements to show rental income deposit for the property XXX #XXX. Compensating factors; 6 months reserves greater than program requirement; 5 years in current job; VOR 0x30 in 24 months. ; We are still missing evidence of 2 months receipt (bank statements) of the rental income of $XXX/month for the property located at XXX per lender guidelines on pg 88. ; Reviewed documentation uploaded - XXX market rent estimate for property at XXX. We are still missing the required documentation to use $XXX/month gross rental income to qualify: a copy of the fully executed lease agreement and 2 months of bank statements demonstrating receipt of the rental income. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No D B |
| XXX | XXXXX | 304756934 | FPRO8998 | 7/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/21/2025 | A |
| XXX | XXXXX | 304757166 | FCRE5782 | 8/6/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/6/2025 | D A |
| XXX | XXXXX | 304757166 | finding-3352 | 7/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliance |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/21/2025 | A |
| XXX | XXXXX | 304757166 | FPRO8998 | 7/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/21/2025 | A |
| XXX | XXXXX | 304756992 | FPRO8998 | 7/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/22/2025 | A |
| XXX | XXXXX | 304756992 | FCOM8997 | 7/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/22/2025 | A |
| XXX | XXXXX | 304704608 | FCRE8999 | 7/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/24/2025 | A |
| XXX | XXXXX | 304704608 | FPRO8998 | 7/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/24/2025 | A |
| XXX | XXXXX | 304704608 | finding-3352 | 7/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrow and met appraisal requirements This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/24/2025 | A |
| XXX | XXXXX | 304756935 | FCRE1316 | 8/1/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX Xrd Party VOE Prior to Close Missing The file does not contain a verification of the existence of the borrower's business dated within XXX days of the note date. | Document Uploaded. | Borrower 1 3rd Party VOE Prior to Close Was Provided; Third party verification of self-employment within 30 days of closing for borrower was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/1/2025 | D A |
| XXX | XXXXX | 304756935 | finding-3800 | 7/30/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXXXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Non QM Loan |  |  |  | Rescinded |  | A |
| XXX | XXXXX | 304756935 | FCOM8997 | 7/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/25/2025 | A |
| XXX | XXXXX | 304757803 | finding-3352 | 7/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Downgraded to Level X, HPML compliant. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304757803 | FCRE8999 | 7/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304757803 | FPRO8998 | 7/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304757258 | FCOM9186 | 7/30/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/30/2025 | B A |
| XXX | XXXXX | 304757258 | finding-3352 | 7/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304757258 | FPRO8998 | 7/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304757258 | FCRE8999 | 7/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304757231 | FCRE1347 | 8/1/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower XXX Xrd Party VOE Prior to Close Missing The file does not contain a verification of employment for Borrower XXX. | Document Uploaded. | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); Third party verification of employment for borrower 2 was received. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/1/2025 | D A |
| XXX | XXXXX | 304757231 | FCOM9186 | 8/1/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/1/2025 | B A |
| XXX | XXXXX | 304757231 | finding-3526 | 7/31/2025 | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XX CFR §XXXXXX(e)(X)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXXXXX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXXXX(f)(X)(i). The consumer must receive a revised version of the disclosures required under §XXXXXX(e)(X)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §XXXXXX(e)(X)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required: Missing evidence borrower's received Revised LE issued XX/XX/XXXX at least XXX days prior to consummation. | Document Uploaded. ; Document Uploaded. | Receipt date provided; exception resolved; Receipt date provided; exception resolved; Revised LE provided did not have a receipt date or signature to confirm receipt at least 4 days prior to consummation | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/31/2025 | C A |
| XXX | XXXXX | 304757231 | FPRO8998 | 7/28/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/28/2025 | A |
| XXX | XXXXX | 304756962 | FCRE5782 | 8/13/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing Guidelines require a Gap Credit Report within XXX days of closing. Please provide Gap Credit Report. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within 30 days of closing received. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/13/2025 | D A |
| XXX | XXXXX | 304756962 | FCRE6696 | 8/13/2025 | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | The Business filing date is XX/XX/XXXX and the Final XXX is dated XX/XX/XXXX. The Borrower has been self employed less than XXX years. | Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Borrower has been self-employed since XX/XX/XXXX but in the healthcare field for 10 years. CPA email states S.E. XX/XX/XXXX with Business License as XX/XX/XXXX Direct Support professional health care. Business Bank Statement Program less than 2 years self-employment. Compensating factors; Borrower's contribution exceeds requirement by =>5%; DTI > than 10% below program requirement / DSCR > XXX; VOR 0x30 in 24 months. ; Email from XXX reviewed, although it states borrower was employed it does not verify borrower's self-employment. Unable to confirm borrower's position as Direct Support Professional (DSP) was a self-employed position. Condition remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B A |
| XXX | XXXXX | 304756962 | FCOM8997 | 7/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 7/29/2025 | A |
| XXX | XXXXX | 304756979 | FCRE1440 | 8/7/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Borrower provided a private party VOR. Per guidelines, dated XX/XX/XXXX, private party VOR's require the most recent XXX months of cancelled checks or bank statements, which is missing from file. | This file is a DU, which allows for private party VOR's to exclude the canceled checks per Gl's. On the DU summery, it reflects 0 months reserves required. ; Document Uploaded. | Housing History Meets Guideline Requirements; Housing History Does Not Meet Guideline Requirements; Updated lock confirmation reflects the loan program as XXX, indicating the XXX option can be utilized. Confirmed VOR is not required per DU. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | C A |
| XXX | XXXXX | 304756979 | FCRE0360 | 8/7/2025 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower provided a private party VOR. Per guidelines, dated XX/XX/XXXX, private party VOR's require the most recent XXX months of cancelled checks or bank statements, which is missing from file. | Document Uploaded. This file is a DU, which allows for private party VOR's to exclude the canceled checks per Gl's. On the DU summery, it reflects 0 months reserves required. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Updated lock confirmation reflects the loan program as XXX, indicating the XXX option can be utilized. Confirmed VOR is not required per DU. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | C A |
| XXX | XXXXX | 304756979 | FCRE3843 | 8/7/2025 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines, dated XX/XX/XXXX, require XXX months reserves. Borrower only supplied assets in the amount of $XXX, making the Borrower have a reserve shortage of $XXX. | Document Uploaded. This file is a DU, which allows for private party VOR's to exclude the canceled checks per Gl's. On the DU summery, it reflects 0 months reserves required. | The required number of months reserves are to be seasoned does meet Guideline requirement.; Updated lock confirmation reflects the loan program as XXX, indicating the XXX option can be utilized. Confirmed zero reserves are required. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | D A |
| XXX | XXXXX | 304756979 | FCRE1497 | 8/7/2025 | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered ATR Risk: Insufficient assets. Borrower only supplied $XXX in assets, making the loan short reserves in the amount of $XXX. | Document Uploaded. This file is a DU, which allows for private party VOR's to exclude the canceled checks per Gl's. On the DU summery, it reflects 0 months reserves required. | ATR: Reasonable Income or Assets Was Considered; Updated lock confirmation reflects the loan program as XXX, indicating the XXX option can be utilized. Confirmed zero reserves are required. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | C A |
| XXX | XXXXX | 304756979 | FCRE9995 | 8/7/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines, dated XX/XX/XXXX, require XXX months reserves, or $XXX. Borrower only supplied assets of $XXX, which amounted in a reserve shortage of $XXX. | Document Uploaded. This file is a DU, which allows for private party VOR's to exclude the canceled checks per Gl's. On the DU summery, it reflects 0 months reserves required. | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $0.; Updated lock confirmation reflects the loan program as XXX, indicating the XXX option can be utilized. Confirmed zero reserves are required. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | C A |
| XXX | XXXXX | 304756979 | FCOM5135 | 8/7/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | B A |
| XXX | XXXXX | 304756979 | FCRE5782 | 8/7/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. Credit report in file is dated XX/XX/XXXX. Note date is XX/XX/XXXX. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Lender uploaded UNDISCLOSED DEBT NOTIFICATIONS REPORT | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | D A |
| XXX | XXXXX | 304756979 | FCRE1480 | 8/7/2025 | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Borrower received a gift in the amount of $XXX. Per the gift letter, funds were to transfer the day of closing. No gift funds were listed on the final CD and no wire was in file showing the transfer of these funds either to the Borrower's account or to the title company. | Document Uploaded. | Asset Record 2 Meets G/L Requirements Or Not Applicable; Lender uploaded proof of wire dated XX/XX/XXXX IAO $XXX; Asset Record 2 Does Not Meet G/L Requirements | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | C A |
| XXX | XXXXX | 304756979 | FCRE1491 | 8/7/2025 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing evidence of gift receipt, either to the Borrower's account or the title company. Also, the Borrower is short reserves in the amount of $XXX, as XXX months reserves were required and the Borrower only supplied funds in the amount of $XXX. | Document Uploaded. ; Document Uploaded. This file is a DU, which allows for private party VOR's to exclude the canceled checks per Gl's. On the DU summery, it reflects 0 months reserves required. | Asset Qualification Meets Guideline Requirements; Updated lock confirmation reflects the loan program as XXX, indicating the XXX option can be utilized. Confirmed zero reserves are required. Missing evidence of receipt of gift funds. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | C A |
| XXX | XXXXX | 304756979 | finding-3352 | 7/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/29/2025 | A |
| XXX | XXXXX | 304756979 | FPRO8998 | 7/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 7/29/2025 | A |
| XXX | XXXXX | 304866910 | FCOM8997 | 8/1/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 8/1/2025 | A |
| XXX | XXXXX | 304866910 | FPRO8998 | 8/1/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 8/1/2025 | A |
| XXX | XXXXX | 304866910 | FCRE8999 | 8/1/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 8/1/2025 | A |
| XXX | XXXXX | 304756933 | finding-3352 | 7/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/30/2025 | A |
| XXX | XXXXX | 304756933 | FCRE8999 | 7/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/30/2025 | A |
| XXX | XXXXX | 304756933 | FPRO8998 | 7/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 7/30/2025 | A |
| XXX | XXXXX | 304756902 | FCOM3849 | 8/11/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXXX(a)(X)). | Document Uploaded. ; Document Uploaded. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the 3 days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/11/2025 | B A |
| XXX | XXXXX | 304756902 | FCRE8999 | 8/5/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/5/2025 | A |
| XXX | XXXXX | 304756902 | FPRO8998 | 8/5/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/5/2025 | A |
| XXX | XXXXX | 304756911 | FCRE5782 | 8/18/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing The file does not contain a gap credit report dated within XXX days of the note. | Document Uploaded. ; Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Preclose credit report dated XX/XX/XXXX provided for B1. ; Document provided is not a credit refresh, document is Letter of Explanation dated at time of original credit report. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/18/2025 | D A |
| XXX | XXXXX | 304756911 | FCOM3849 | 8/18/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXXX(a)(X)). Documentation required: Please provide evidence the borrower was in receipt of the appraisal at least XXX business days prior to consummation. | Document Uploaded. ; Document Uploaded. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the 3 days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/18/2025 | B A |
| XXX | XXXXX | 304756911 | FCOM3531 | 8/18/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Unable to downgrade HPML due to missing appraisal receipt | Document Uploaded. ; Document Uploaded. | Evidence of Appraisal Delivery to the Borrower Provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not have an option to confirm which of the 2 listed was applicable. The HPML rule requires the appraisal to be received by the borrower least 3 days prior to consummation therefore they cannot waive it and documentation to show receipt of the appraisal timely is required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/18/2025 | C A |
| XXX | XXXXX | 304756911 | finding-3352 | 8/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade HPML due to missing appraisal receipt. | Document Uploaded. ; Document Uploaded. | Appraisal delivery provided; HPML compliant. Exception resolved; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least 3 days prior to consummation but does not have an option to confirm which of the 2 listed was applicable. The HPML rule requires the appraisal to be received by the borrower least 3 days prior to consummation therefore they cannot waive it and documentation to show receipt of the appraisal timely is required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | C A |
| XXX | XXXXX | 304756911 | FPRO8998 | 8/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/7/2025 | A |
| XXX | XXXXX | 304757170 | finding-3352 | 8/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/11/2025 | A |
| XXX | XXXXX | 304757170 | FCRE8999 | 8/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/11/2025 | A |
| XXX | XXXXX | 304757170 | FPRO8998 | 8/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/11/2025 | A |
| XXX | XXXXX | 304757681 | FCRE1198 | 9/5/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. | Received an approved loan exception for not meeting reserve requirement approved. Per guidelines min 6 mo reserves required. Borrower has 4.1 months of reserves. Compensating factors; DTI under XXX%; residual income greater than 10K; clean credit history with no lates on all accounts. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B A |
| XXX | XXXXX | 304757681 | FCRE9995 | 9/5/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. | Received an approved loan exception for not meeting reserve requirement approved. Per guidelines min 6 mo reserves required. Borrower has 4.1 months of reserves. Compensating factors; DTI under XXX%; residual income greater than 10K; clean credit history with no lates on all accounts. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304757681 | finding-2962 | 8/13/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304757681 | finding-3352 | 8/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304757681 | FPRO8998 | 8/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304763766 | FCRE1364 | 8/29/2025 | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Borrower XXX Executed XXX-T Missing Co-borrower is a WX wage earner and income used for qualification. A XXX-T form as not provided. | Document Uploaded. | B2 4506 provided, exception resolved. ; Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/29/2025 | D A |
| XXX | XXXXX | 304763766 | FCRE6100 | 8/29/2025 | Credit | Eligibility | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. Guidelines Interested Party Contribution for > XXX% LTV is XXX%. Final CD reflects seller credit of $XXX, however max allowed is $XXX. Loan was approved with an LTV of XXX%. | Document Uploaded. ; Document Uploaded. Please see attached PCCD, which the seller credit. Thank you | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; Updated PCCD indicates interested party contribution of 4% .; Audited Interested Party Contribution of 4.01% exceeds interested party contribution guideline maximum of 4%. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/29/2025 | C A |
| XXX | XXXXX | 304763766 | FCRE3653 | 8/29/2025 | Credit | Missing Doc | Missing letter of explanation | Borrower was qualified with XXX months personal bank statements and statements provided reflect a monthly payment ranging from $XXX & $XXX being paid every month to XXX. File contains no explanation or clarification for monthly payments to XXX. | Document Uploaded. | Letter of explanation for XXX received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/29/2025 | D A |
| XXX | XXXXX | 304763766 | FCRE7347 | 8/27/2025 | Credit | Missing Doc | Missing Lease Agreement | File contains two different leases for co-borrower's departure residence that is being rented. One lease reflects monthly rent of $XXX and the second lease reflects $XXX a month. Both leases are signed by the same tenant on the same day. Provide clarification for having two different leases with different amounts. | Document Uploaded. This is the only and true lease agreement for borrower 2-- please advise. Thank you! | ; Lender confirmed lease for $XXX/mo is the valid lease. The 2nd lease for $XXX had the monthly rent amount and security deposit amount altered and changes were not initialed by the tenant. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/27/2025 | D A |
| XXX | XXXXX | 304763766 | finding-3352 | 8/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304763766 | FPRO8998 | 8/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304756905 | finding-3352 | 8/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304756905 | FCRE8999 | 8/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304756905 | FPRO8998 | 8/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/13/2025 | A |
| XXX | XXXXX | 304812784 | FCRE6100 | 8/25/2025 | Credit | Eligibility | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. The subject loan is a purchase transaction with a LTV of XXX%. The Lender Guideline states that the maximum interested party contribution is XXX% for loans with a LTV greater than XXX%. The actual interested party contribution on the Final CD is XXX%. | Document Uploaded. Please see Exception Approval. | Received approved lender exception; ok to move forward with up to XXX% seller concession. Compensating factors; DTI < XXX%; residual income > $XXXK. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304812784 | finding-3352 | 8/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/21/2025 | A |
| XXX | XXXXX | 304812784 | finding-3634 | 8/21/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the addition of the appraisal review fee on the initial CD dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee addition. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/21/2025 | C A |
| XXX | XXXXX | 304812784 | FPRO8998 | 8/20/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/20/2025 | A |
| XXX | XXXXX | 304757208 | FCRE1495 | 8/25/2025 | Credit | QM-ATR | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified | Document Uploaded. | ATR: Current Employment Was Verified; Verification of employment was provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | C A |
| XXX | XXXXX | 304757208 | FCRE1319 | 8/25/2025 | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Borrower XXX Personal Tax Returns Missing Missing XXX years personal tax returns per guidelines only the XXX tax return was provided. Loan qualified under the XXX year Full doc program. | Document Uploaded. | Borrower 1 Personal Tax Returns Provided; 2023 tax returns were provided.  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | D A |
| XXX | XXXXX | 304757208 | FCRE1437 | 8/25/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require verification of business within XXX-days of the note date that it has been active and operating with a minimum XXX-year operating history. Missing verification of self-employment via third party CPA letter or business license. Accountant tetter provided does reference how long borrower has been self-employed. | Document Uploaded. | Income and Employment Meet Guidelines; Received 2023 tax returns with self employment income, verifying 2 years of self employment history. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | C A |
| XXX | XXXXX | 304757208 | FCRE1438 | 8/25/2025 | Credit | Eligibility | ATR Risk | ATR Risk ATR risk due to missing verification of self employment and DTI exceeds guidelines. | Document Uploaded. | Received approved Lender Exception request: DTI over 50 over ITIN borrower. Compensating factors; 6 months reserves greater than program requirement; Borrower's contribution exceeds requirements by =>5%; FICO above the minimum by 20 points or higher; 16 months payment reserves. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B A |
| XXX | XXXXX | 304757208 | FCRE1193 | 8/25/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender exception provided for DTI over XXX% for ITIN Borrower. Compensating factors: XXX months reserves greater than program requirement (XXX months payment reserves); borrower's contribution exceeds requirements by > XXX%; FICO above the minimum by XXX points or higher. Audit DTI of XXX% exceeds guidelines DTI of XXX% and lender approved DTI exception of XXX%. Consumer debt total is $XXX vs. $XXX used by lender. | Document Uploaded. | Received approved Lender Exception request: DTI over 50 over ITIN borrower. Compensating factors; 6 months reserves greater than program requirement; Borrower's contribution exceeds requirements by =>5%; FICO above the minimum by 20 points or higher; 16 months payment reserves. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B A |
| XXX | XXXXX | 304757208 | finding-3352 | 8/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/20/2025 | A |
| XXX | XXXXX | 304757208 | FPRO8998 | 8/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/20/2025 | A |
| XXX | XXXXX | 304735926 | finding-3652 | 9/3/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of $XXX is due to the decrease of the Lender credit from $XXX on the CD dated XX/XX/XXXX to $XXX on the final CD without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | C A |
| XXX | XXXXX | 304735926 | FCRE8999 | 8/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/20/2025 | A |
| XXX | XXXXX | 304735926 | FPRO8998 | 8/20/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/20/2025 | A |
| XXX | XXXXX | 304818145 | FCRE1146 | 9/2/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Title Commitment has the wrong spelling for the last name of Borrower XXX. The Same Name Affidavit in the loan file did not include the incorrect last name. | Document Uploaded. | Title Document is fully Present; Duplicate finding. ; Warranty deed with borrower 2 correct last name as XXX was provided, therefore final title will reflect the correction as per the warranty deed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/2/2025 | D A |
| XXX | XXXXX | 304818145 | FCRE8201 | 9/2/2025 | Credit | Eligibility | Loan does not conform to program guidelines | BX has seasonal employment and is an ITIN. The Lender Guideline states: Seasonal employment is an unacceptable source of income due to ITIN borrowers being ineligible for unemployment during off-season periods. The Lender stated on the income worksheet, see exception, an exception was not found in the loan file for the above mentioned guideline. | Document Uploaded. | ; Received lender approved Exception to proceed with seasonal employment approved, borrower has been with the same company since 2009, full doc loan, low LTV and DTI below XXX%. Compensating factors; Low LTV; 26 months reserves; at same job since XXX; DTI below XXX%. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/2/2025 | C A |
| XXX | XXXXX | 304818145 | FCRE1146 | 9/2/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Title Commitment has the wrong spelling for the last name of Borrower XXX. The Same Name Affidavit in the loan file did not include the incorrect last name. | Document Uploaded. | Title Document is fully Present; Warranty deed with borrower 2 correct last name as XXX was provided, therefore final title will reflect the correction as per the warranty deed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 9/2/2025 | D A |
| XXX | XXXXX | 304818145 | FPRO8998 | 8/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 8/21/2025 | A |
| XXX | XXXXX | 304757154 | finding-3635 | 8/30/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The file is missing the SSPL and all fees in section C are included the XXX% tolerance. Provide SSPL for review. This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi). | Document Uploaded. | SSPL provided; exception resolved; SSPL provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/30/2025 | C A |
| XXX | XXXXX | 304757154 | finding-3352 | 8/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/30/2025 | A |
| XXX | XXXXX | 304757154 | FPRO8998 | 8/21/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/21/2025 | A |
| XXX | XXXXX | 304757154 | FCRE8999 | 8/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/21/2025 | A |
| XXX | XXXXX | 304812802 | finding-3352 | 8/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304812802 | FPRO8998 | 8/25/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304812802 | FCRE8999 | 8/25/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304816806 | FCOM1231 | 8/27/2025 | Credit | Missing Doc | The Initial 1003 is Missing | The Initial XXX is Missing Missing initial XXX. | Document Uploaded. | The Initial 1003 is Present; Initial 1003 for both borrowers were provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | D A |
| XXX | XXXXX | 304816806 | FPRO8998 | 8/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304816806 | FCOM8997 | 8/25/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304816784 | FCRE8999 | 8/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304816784 | FPRO8998 | 8/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304816784 | FCOM8997 | 8/25/2025 | Compliance | Data | No Compliance Findings | No compliance findings; the loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/25/2025 | A |
| XXX | XXXXX | 304812667 | FCOM1221 | 8/29/2025 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Note Date of XX-XX-XXXX is greater than Notary Acknowledgment Date of XX-XX-XXXX. | Document Uploaded. Acknowledgement date is XX/XX/XXXX | The Deed of Trust is Present and Complete; A Deed of Trust with a notary date of XX/XX/XXXX was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | D A |
| XXX | XXXXX | 304812667 | FCOM1227 | 8/29/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing PUD Rider missing at time of review. | Document Uploaded. | The PUD Rider is Present or is Not Applicable (Property Type is PUD); PUD RIder was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | D A |
| XXX | XXXXX | 304812667 | FPRO8998 | 8/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304812667 | FCOM8997 | 8/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818111 | finding-2962 | 8/29/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818111 | finding-3652 | 8/29/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on CD dated XX/XX/XXXX.  | Document Uploaded. Please see COC. Loan Amount decrease so Lender Credits decrease. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | C A |
| XXX | XXXXX | 304818111 | finding-3352 | 8/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818111 | FCRE8999 | 8/27/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818111 | FPRO8998 | 8/27/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818099 | finding-2962 | 8/27/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818099 | finding-3352 | 8/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPMl requirements met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818099 | FCRE8999 | 8/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818099 | FPRO8998 | 8/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/27/2025 | A |
| XXX | XXXXX | 304818096 | FCRE8999 | 8/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818096 | FPRO8998 | 8/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818096 | FCOM8997 | 8/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304817989 | finding-3352 | 8/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304817989 | FCRE8999 | 8/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304817989 | FPRO8998 | 8/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818090 | FCRE8999 | 8/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818090 | FPRO8998 | 8/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304818090 | FCOM8997 | 8/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 8/29/2025 | A |
| XXX | XXXXX | 304735866 | finding-3352 | 9/2/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304735866 | FPRO8998 | 9/2/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304735866 | FCRE8999 | 9/2/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304818130 | finding-2962 | 9/15/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML comliant This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | ; HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/15/2025 | A |
| XXX | XXXXX | 304818130 | finding-3634 | 9/14/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure required: Cure of $XXX required for increase in credit reporting fee from $XXX to $XXX and addition of Appraisal re-inspection fee of $XXX without valid COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. | Document Uploaded. ; Document Uploaded. | COC provided; Exception resolved; COC provided; Exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2025 | C A |
| XXX | XXXXX | 304818130 | finding-3352 | 9/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2025 | A |
| XXX | XXXXX | 304818130 | finding-3635 | 9/14/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi). | Document Uploaded. ; Document Uploaded. | PCCD and FSS provided; Exception resolved; PCCD and FSS provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/14/2025 | C A |
| XXX | XXXXX | 304818130 | FCRE8999 | 9/2/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304818130 | FPRO8998 | 9/2/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/2/2025 | A |
| XXX | XXXXX | 304818117 | FCRE8999 | 9/3/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | A |
| XXX | XXXXX | 304818117 | FPRO8998 | 9/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | A |
| XXX | XXXXX | 304818117 | FCOM8997 | 9/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | A |
| XXX | XXXXX | 304763753 | FCRE6100 | 9/12/2025 | Credit | Eligibility | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. Per the Lender Guideline the maximum Interested Party Contribution is XXX% on a loan with a LTV of greater than XXX%. | Document Uploaded. Per the final settlement statement and the PCCD, the seller credit was $XXX which is under 4% of the sales price $XXXk. Thank you! | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum; Post close CD with updated interested party contributions was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/12/2025 | C A |
| XXX | XXXXX | 304763753 | FCOM1544 | 9/12/2025 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Documentation Required: The file is missing the Final CD TRID: Missing Final Closing Disclosure | Document Uploaded. | TRID: Final Closing Disclosure Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/12/2025 | D A |
| XXX | XXXXX | 304763753 | finding-2962 | 9/6/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/6/2025 | A |
| XXX | XXXXX | 304763753 | finding-3352 | 9/6/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/6/2025 | A |
| XXX | XXXXX | 304763753 | finding-3716 | 9/6/2025 | Compliance | State Reg | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Documentation required: File is missing the Final CD which may have the correct Disbursement Date | Document Uploaded. | PCCD provided; Exception resolved; PCCD provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/6/2025 | C A |
| XXX | XXXXX | 304763753 | FCOM1206 | 9/4/2025 | Credit | Missing Doc | The Note is Missing | The Note is Missing. Missing Note | Document Uploaded. | Note received and updated. ; The Note is Present. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/4/2025 | D A |
| XXX | XXXXX | 304763753 | FPRO8998 | 9/3/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | A |
| XXX | XXXXX | 304823780 | FPRO9990 | 9/9/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing TPV. | Document Uploaded. | Third party valuation product provided within tolerance.; An Appraisal Risk Review for the subject property with 0% variance was received. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/9/2025 | C A |
| XXX | XXXXX | 304823780 | FCRE8999 | 9/3/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | A |
| XXX | XXXXX | 304823780 | FCOM8997 | 9/3/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/3/2025 | A |
| XXX | XXXXX | 304828002 | FCRE5782 | 9/15/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing The file does not contain a copy of the Gap Credit report dated within XXX days of the Note date. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed Debt monitoring report dated within 30 days of closing received. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/15/2025 | D A |
| XXX | XXXXX | 304828002 | FCRE0360 | 9/15/2025 | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The file contains a Verification of rent from an individual, the file does not contain copies of the most recent XXX cancelled checks of XXX months bank statements evidencing the $XXX monthly rent was paid. | Document Uploaded. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Confirmed private party VOR is acceptable per FNMA guidelines.  | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/15/2025 | C A |
| XXX | XXXXX | 304828002 | FPRO8998 | 9/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304828002 | FCOM8997 | 9/4/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/4/2025 | A |
| XXX | XXXXX | 304757609 | FCRE6843 | 9/12/2025 | Credit | Assets | Asset General | The loan file includes a Gift Letter dated XX/XX/XXXX. The Gift Letter does not list the relationship between the Donor and the Borrower which is required per FNMA. | Document Uploaded. | Gift letter indicates donor is a relative. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/12/2025 | C A |
| XXX | XXXXX | 304757609 | finding-3634 | 9/10/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the addition of the discount points fee on the initial CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/10/2025 | C A |
| XXX | XXXXX | 304757609 | finding-3352 | 9/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304757609 | FPRO8998 | 9/7/2025 | Property | Data | No Property Findings | No propety findings. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304823675 | FCRE1146 | 9/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Peliminary Title does not include the name of the Borrower or the amount of coverage. | Document Uploaded. please see attached. | Title Document is fully Present; Supplemental title report provided reflects the borrower's name and property address.  | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | D A |
| XXX | XXXXX | 304823675 | FCRE1440 | 9/10/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The subject loan was approved under the Core program with a LTV of XXX%. The Borrower rented from a private party which requires proof of rent payments etiher through bank statements or cancelled checks, neither item was found in the loan file. | Document Uploaded. This is a 80% LTV ITIN purchase with XXX FICO. We can accept a private party VOR.<br> We have a VOR.<br> attached is VOR | Housing History Meets Guideline Requirements; A private party VOR provided indicates account is satisfactory with zero late payments. Private party VOR is acceptable per lender Matrix parameters. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | C A |
| XXX | XXXXX | 304823675 | FCOM8997 | 9/7/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304823675 | FPRO8998 | 9/7/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304812621 | FCOM8997 | 9/7/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304812621 | FPRO8998 | 9/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304812621 | FCRE8999 | 9/7/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304823802 | FCRE1440 | 9/24/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing verification of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX rent payments made. Guidelines require housing history of XXX. | Document Uploaded. ; Document Uploaded. Document Uploaded. | Housing History Meets Guideline Requirements; Received verification of 12 months rental payments from XXX thru XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/24/2025 | C A |
| XXX | XXXXX | 304823802 | finding-2962 | 9/7/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304823802 | finding-3352 | 9/7/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304823802 | FPRO8998 | 9/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/7/2025 | A |
| XXX | XXXXX | 304818081 | finding-3352 | 9/8/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/8/2025 | A |
| XXX | XXXXX | 304818081 | FPRO8998 | 9/8/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/8/2025 | A |
| XXX | XXXXX | 304818081 | FCRE8999 | 9/8/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/8/2025 | A |
| XXX | XXXXX | 304818114 | FCRE8999 | 9/8/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/8/2025 | A |
| XXX | XXXXX | 304818114 | FPRO8998 | 9/8/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/8/2025 | A |
| XXX | XXXXX | 304818114 | FCOM8997 | 9/8/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/8/2025 | A |
| XXX | XXXXX | 304812743 | FCOM8997 | 9/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812743 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812743 | FCRE8999 | 9/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812654 | FCRE8999 | 9/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812654 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812654 | FCOM8997 | 9/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812819 | FCOM8997 | 9/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812819 | FCRE8999 | 9/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812819 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812726 | FCRE8999 | 9/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812726 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304812726 | FCOM8997 | 9/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304823800 | finding-3352 | 9/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304823800 | FCRE8999 | 9/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304823800 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304828066 | FCOM9186 | 9/11/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | eConsent received, condition resolved; Evidence of eConsent is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | B A |
| XXX | XXXXX | 304828066 | FCRE8999 | 9/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304828066 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304828066 | finding-3352 | 9/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304828086 | finding-3352 | 9/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade exception as missing evidence that appraisal was delivered to Borrower at least XXX business days prior to consummation date of XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Appraisal delivery provided, HPML compliant; Exception resolved; Please confirm which appraisal was provided to the borrower at least 3 days prior to consummation, the appraisal in file was signed and provided to the lender on XX/XX/XXXX which is less than 3 days prior to consummation; Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than 3 days prior to consummation of XX/XX/XXXX. The loan is a higher priced mortgage loan and the appraisal is required to be provided at least 3 days prior to consummation; Under Regulation B, 12 CFR 1002.14(a)(1), allowing the consumer to waive the requirement that the appraisal copy be provided three business days before consummation, does not apply to higher-priced mortgage loans subject to § 1026.35(c). A consumer of a higher-priced mortgage loan subject to § 1026.35(c) may not waive the timing requirement to receive a copy of the appraisal under § 1026.35(c)(6)(i). | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/22/2025 | C A |
| XXX | XXXXX | 304828086 | FCOM3530 | 9/22/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX-XX-XXXX is less than XXX days prior to consummation of XX-XX-XXXX. Documentation Required- Evidence of appraisal receipt at least XXX business days prior to consummation. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Date of Borrower Receipt of Appraisal exceeds 3 business days from Closing Date, or Unable to Determine; Please confirm which appraisal was provided to the borrower at least 3 days prior to consummation, the appraisal in file was signed and provided to the lender on XX/XX/XXXX which is less than 3 days prior to consummation; Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than 3 days prior to consummation of XX/XX/XXXX. The loan is a higher priced mortgage loan and the appraisal is required to be provided at least 3 days prior to consummation; Under Regulation B, 12 CFR 1002.14(a)(1), allowing the consumer to waive the requirement that the appraisal copy be provided three business days before consummation, does not apply to higher-priced mortgage loans subject to § 1026.35(c). A consumer of a higher-priced mortgage loan subject to § 1026.35(c) may not waive the timing requirement to receive a copy of the appraisal under § 1026.35(c)(6)(i). | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/22/2025 | C A |
| XXX | XXXXX | 304828086 | FCRE5782 | 9/17/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing Missing gap credit report, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within 30 days of closing was provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2025 | D A |
| XXX | XXXXX | 304828086 | finding-3532 | 9/15/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation. Documentation Required- Initial Closing Disclosure. The only CD in file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD and evidence of date initial CD was delivered to the Borrower. | Document Uploaded. | Initial CD with receipt date provided; exception resolve | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/15/2025 | C A |
| XXX | XXXXX | 304828086 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304828086 | FCRE1197 | 9/9/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Exception request: Accepting XXX credit score to meet score requirement for XXX% LTV vs XXX credit score requirement. Compensating factors: XXX months reserves greater than program requirement, DTI greater than XXX% below program requirement, high discretionary income, XXX years in current job and XXX. Exception approved. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B A |
| XXX | XXXXX | 304828086 | FCRE1195 | 9/9/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Exception Granted: Borrower has a credit score of XXX vs a required credit score of XXX for XXX% Max LTV. Compensating Factors: DTI >XXX% below program requirement; XXX Months reserves greater than program requirement; High Discretionary Income; XXX years in Current Job; VOR/VOM XXX |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B A |
| XXX | XXXXX | 304828086 | FCRE1196 | 9/9/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Exception Granted: Borrower has a credit score of XXX vs a required credit score of XXX for XXX% Max LTV. Compensating Factors: DTI >XXX% below program requirement; XXX Months reserves greater than program requirement; High Discretionary Income; XXX years in Current Job; VOR/VOM XXX |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B A |
| XXX | XXXXX | 304828086 | FCRE1194 | 9/9/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of XXXX% exceeds Guideline LTV of XXX% Exception Granted: Borrower has a credit score of XXX vs a required credit score of XXX for XXX% Max LTV. Compensating Factors: DTI >XXX% below program requirement; XXX Months reserves greater than program requirement; High Discretionary Income; XXX years in Current Job; VOR/VOM XXX |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B A |
| XXX | XXXXX | 304828068 | FCRE7497 | 9/17/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain evidence of the mortgage statement , HOA statement or no HOA Letter, or proof of rental income for the property located at XXX. | Document Uploaded. | Copy of Note, hazard insurance and taxes provided. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/17/2025 | D A |
| XXX | XXXXX | 304828068 | FCOM8997 | 9/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304828068 | FPRO8998 | 9/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/10/2025 | A |
| XXX | XXXXX | 304817944 | finding-3352 | 9/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304817944 | FCRE8999 | 9/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304817944 | FPRO8998 | 9/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304817976 | finding-2962 | 9/11/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304817976 | finding-3352 | 9/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304817976 | FCRE8999 | 9/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304817976 | FPRO8998 | 9/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/11/2025 | A |
| XXX | XXXXX | 304823450 | FCOM1111 | 9/16/2025 | Compliance | Points & Fees | Late Charge Grace Period is less than 10 days | Late Charge Grace Period is less than XXX days Missing page XXX of Note that confirms the late payment information. | Document Uploaded. | Validation Resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/16/2025 | C A |
| XXX | XXXXX | 304823450 | FCOM1208 | 9/16/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing page 2 of Note at time of review. | Document Uploaded. | The Note is Present; The Note is Incomplete | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/16/2025 | D A |
| XXX | XXXXX | 304823450 | finding-3352 | 9/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/13/2025 | A |
| XXX | XXXXX | 304823450 | FPRO8998 | 9/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/13/2025 | A |
| XXX | XXXXX | 304823804 | finding-3352 | 10/2/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/2/2025 | A |
| XXX | XXXXX | 304823804 | finding-2502 | 10/2/2025 | Compliance | Points & Fees | CT Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/2/2025 | A |
| XXX | XXXXX | 304823804 | finding-3634 | 10/2/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of $XXX is due to the addition of the condo questionnaire fee on the LE dated XX/XX/XXXX and increase of credit report fee on CD dated XX/XX/XXXX without valid COC. COCs dated XX/XX/XXXX and XX/XX/XXXX does not provide reason for fee addition or increase. | Document Uploaded. ; Document Uploaded. COC attached for condo questionnaire fee being added LE XX/XX/XXXX.. Please review and update condition. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Cure updated to $XXX; credit report fee increased without a valid COC | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304823804 | FCRE1316 | 9/23/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX Xrd Party VOE Prior to Close Missing Third Party VOE was not provided within XXX days of closing. | Document Uploaded. | Borrower 1 3rd Party VOE Prior to Close Was Provided; A verbal verification of employment for the borrower dated within 10 days of the note date for both employments listed on the 1003 application was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | D A |
| XXX | XXXXX | 304823804 | FCRE1347 | 9/23/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower XXX Xrd Party VOE Prior to Close Missing. Xrd Party VOE was not provided within XXX days of closing. | Document Uploaded. | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); A verbal verification of employment for the coborrower dated within 10 days of the note date for both employments listed on the 1003 application was received. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | D A |
| XXX | XXXXX | 304823804 | FPRO8998 | 9/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/15/2025 | A |
| XXX | XXXXX | 304823820 | finding-3352 | 9/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/15/2025 | A |
| XXX | XXXXX | 304823820 | FCRE8999 | 9/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/15/2025 | A |
| XXX | XXXXX | 304823820 | FPRO8998 | 9/15/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/15/2025 | A |
| XXX | XXXXX | 304823536 | finding-3352 | 9/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2025 | A |
| XXX | XXXXX | 304823536 | FCRE8999 | 9/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2025 | A |
| XXX | XXXXX | 304823536 | FPRO8998 | 9/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/17/2025 | A |
| XXX | XXXXX | 304817945 | FCOM8997 | 9/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/18/2025 | A |
| XXX | XXXXX | 304817945 | FCRE8999 | 9/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/18/2025 | A |
| XXX | XXXXX | 304817945 | FPRO8998 | 9/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/18/2025 | A |
| XXX | XXXXX | 304866898 | FCRE1197 | 9/18/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. The borrower does not meet minimum mid FICO requirements for an Interest only loan. However, the loan file contains a lender approved exception, granting approval for the use of the current MID FICO being less than XXX on an Interest Only product. Current FICO score is XXX.The lender identified the following compensating factors to justify approval; Mortgage paid as agreed XXX+ months, Excessive Reserves, Minimal to no payment shock., Dropping P&I from $XXX to $XXX. Exception downgraded to a level X/B. |  |  |  | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304866898 | FCOM8997 | 9/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 9/18/2025 | A |
| XXX | XXXXX | 304866898 | FPRO8998 | 9/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 9/18/2025 | A |
| XXX | XXXXX | 304844139 | FCOM8997 | 9/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/22/2025 | A |
| XXX | XXXXX | 304844139 | FCRE8999 | 9/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/22/2025 | A |
| XXX | XXXXX | 304844139 | FPRO8998 | 9/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/22/2025 | A |
| XXX | XXXXX | 304844027 | FCRE8999 | 9/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844027 | finding-3352 | 9/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844027 | FPRO8998 | 9/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844150 | finding-3352 | 9/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844150 | FPRO8998 | 9/23/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844150 | FCRE8999 | 9/23/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844060 | FCRE8999 | 9/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844060 | FPRO8998 | 9/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304844060 | FCOM8997 | 9/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/23/2025 | A |
| XXX | XXXXX | 304818019 | FCOM8997 | 9/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304818019 | FPRO8998 | 9/24/2025 | Property | Data | No Property Findings | No property findings Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304818019 | FCRE8999 | 9/24/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304828065 | FCOM9186 | 9/26/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/26/2025 | B A |
| XXX | XXXXX | 304828065 | FCRE8999 | 9/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304828065 | FPRO8998 | 9/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304844010 | FCOM8997 | 9/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304844010 | FCRE8999 | 9/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304844010 | FPRO8998 | 9/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/24/2025 | A |
| XXX | XXXXX | 304843989 | finding-2962 | 9/25/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304843989 | finding-3352 | 9/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304843989 | FCRE8999 | 9/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304843989 | FPRO8998 | 9/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304823490 | FCOM3813 | 9/30/2025 | Credit | Data | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)<br> XX CFR XXXXXX(a)(X)(vii) | Document Uploaded. Please re-review, the sales price matches. Thank you | The sales price on the Purchase Contract and Final CD match. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/30/2025 | C A |
| XXX | XXXXX | 304823490 | FPRO8998 | 9/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304823490 | FCOM8997 | 9/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304823490 | FCRE8999 | 9/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/25/2025 | A |
| XXX | XXXXX | 304823689 | FCRE8999 | 9/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823689 | FPRO8998 | 9/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823689 | FCOM8997 | 9/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823828 | FCOM8997 | 9/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823828 | FCRE8999 | 9/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823828 | FPRO8998 | 9/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823757 | finding-2962 | 10/2/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/2/2025 | C A |
| XXX | XXXXX | 304823757 | finding-3352 | 10/2/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/2/2025 | C A |
| XXX | XXXXX | 304823757 | finding-3652 | 10/2/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the decrease of the lender credits on the final CD but no COC in file TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the decrease of the lender credits on the final CD but no COC in file This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). Document Uploaded. Document Uploaded. Document Uploaded. Valid COC provided; Exception resolved Valid COC provided; Exception resolved |  |  | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/2/2025 | C A |
| XXX | XXXXX | 304823757 | FCOM1252 | 10/1/2025 | Compliance | Missing Doc | TRID: Missing Loan Estimate | The initial and/or any revised loan estimates are missing from the loan file. Showing evidence that a loan estimate was provided to the borrower within XXX business days of application, XX/XX/XXXX, may cure the violation. | Document Uploaded. | LEs provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/1/2025 | D A |
| XXX | XXXXX | 304823757 | FCRE8999 | 9/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304823757 | FPRO8998 | 9/29/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304817948 | finding-3352 | 9/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304817948 | FPRO8998 | 9/29/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304817948 | FCRE8999 | 9/29/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 9/29/2025 | A |
| XXX | XXXXX | 304843945 | FCRE7497 | 10/8/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The borrower owns his departing primary residence free and clear and is retaining it as a rental. The file is missing evidence the property is free and clear and has no HOA dues. | Document Uploaded. | Property profile report indicates property is owned free and clear. Property profile also indicates property is single family residential. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/8/2025 | D A |
| XXX | XXXXX | 304843945 | finding-2962 | 10/4/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB XXX higher-priced mortgage loan test. (CA AB XXX, XXX Financial Code Division X.X XXXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/4/2025 | A |
| XXX | XXXXX | 304843945 | finding-3352 | 10/4/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/4/2025 | A |
| XXX | XXXXX | 304843945 | FPRO8998 | 10/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/4/2025 | A |
| XXX | XXXXX | 304818018 | finding-3352 | 10/4/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/4/2025 | A |
| XXX | XXXXX | 304818018 | FCRE8999 | 10/4/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/4/2025 | A |
| XXX | XXXXX | 304818018 | FPRO8998 | 10/4/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/4/2025 | A |
| XXX | XXXXX | 304827967 | FCRE8999 | 10/7/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/7/2025 | A |
| XXX | XXXXX | 304827967 | FPRO8998 | 10/7/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/7/2025 | A |
| XXX | XXXXX | 304827967 | FCOM8997 | 10/7/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/7/2025 | A |
| XXX | XXXXX | 304828026 | FCOM9186 | 10/13/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/13/2025 | B A |
| XXX | XXXXX | 304828026 | FCRE8999 | 10/9/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/9/2025 | A |
| XXX | XXXXX | 304828026 | FPRO8998 | 10/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/9/2025 | A |
| XXX | XXXXX | 304843895 | FCRE1334 | 10/17/2025 | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Borrower XXX Executed XXX-T Missing A portion of the borrower's income is derived from wage earner income. Per XXX GLs dated XX/XX/XXXX, Section X.X.X requires a completed, signed, and dated IRS Form XXX-C for each borrower. | Document Uploaded. | Borrower 1 Executed 4506-T Provided; Signed IRS 4506T provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/17/2025 | D A |
| XXX | XXXXX | 304843895 | finding-3652 | 10/12/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of $XXX is due to the decrease of the Lender credit on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/12/2025 | C A |
| XXX | XXXXX | 304843895 | finding-3352 | 10/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304843895 | FPRO8998 | 10/9/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/9/2025 | A |
| XXX | XXXXX | 304866879 | FCOM8997 | 10/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304866879 | FCRE8999 | 10/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304866879 | FPRO8998 | 10/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2025 | A |
| XXX | XXXXX | 304866927 | FCRE8999 | 10/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | A |
| XXX | XXXXX | 304866927 | FPRO8998 | 10/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | A |
| XXX | XXXXX | 304866927 | finding-3352 | 10/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/16/2025 | A |

---

## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304818387 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843774 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849036 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828124 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828125 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852960 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840440 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304839432 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858947 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304839435 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304861543 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304839433 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852955 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848623 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304825106 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844590 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846893 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828851 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852947 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304759810 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833269 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858390 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856472 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871585 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848122 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852958 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871587 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858414 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845367 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828122 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848290 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840853 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860684 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847530 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304851990 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871579 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871590 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823121 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865050 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852005 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845649 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779916 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871581 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871578 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304838909 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871583 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841511 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871577 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871584 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862110 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843776 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848985 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848624 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871589 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865073 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844768 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871582 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847536 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852004 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846862 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840830 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860686 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846883 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849343 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848284 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855021 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865070 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860215 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865071 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865072 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848627 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860666 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865410 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865063 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304820203 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846407 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858954 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756745 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840439 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852948 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868114 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846882 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858953 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860214 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828921 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846319 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846515 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844754 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844772 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846402 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304857391 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868245 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848628 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843778 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868116 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845371 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824142 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846305 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865069 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840981 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846408 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867879 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848117 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846239 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840869 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868292 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849341 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843728 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845382 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858411 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852006 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868110 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865138 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843290 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823119 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865424 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304826971 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865208 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842892 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868293 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865137 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856480 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840866 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862132 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846991 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867878 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846888 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868112 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304095987 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304351713 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304420823 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459054 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304390747 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304477566 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304510940 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304462087 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304481754 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641858 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492770 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679544 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678940 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671551 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682195 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678941 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686776 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676846 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704512 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704977 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694290 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304696895 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695765 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695772 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695764 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304701023 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692692 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704840 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304712960 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700357 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304698305 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700351 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304716859 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304710584 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700918 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304727115 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728728 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304727787 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304727773 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304727945 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304730181 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728744 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304724011 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304732972 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304731281 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304729946 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304710908 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734772 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304716530 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304724647 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304731282 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304721813 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304733027 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304732186 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749957 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304724410 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304730178 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304712964 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304751789 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304750431 | XXXXX D B A | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758490 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756854 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756845 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304745116 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304736660 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304755065 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304729322 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304755080 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304722334 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304730146 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758006 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754871 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304719438 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304729325 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642361 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758001 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304759931 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304759930 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304750455 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757917 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304750014 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304732132 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304767967 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816402 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768659 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304765920 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304751790 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758004 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304769711 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304729317 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304764261 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734208 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304750456 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304730177 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757464 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812516 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304777313 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734763 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304702521 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304750536 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304759828 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748771 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817555 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758977 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304777370 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304819644 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812526 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304814843 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304736162 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818389 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304777309 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304822429 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304814842 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818277 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818388 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304765379 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823005 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304769716 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813316 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812514 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821136 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813076 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828931 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821133 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813311 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304777805 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304826757 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304819635 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304777304 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816514 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304825105 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823407 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828853 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304814846 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748772 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828932 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833270 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821134 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304839008 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827644 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304825104 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748770 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304829006 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304725173 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817814 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304834675 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827643 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840192 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304826881 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304838941 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818395 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304819488 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842878 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304838914 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823178 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845402 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843779 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845370 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304834673 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843012 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304838937 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842880 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847772 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828339 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845401 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845400 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304838907 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828351 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828426 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821127 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304780139 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833251 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843775 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843755 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846514 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847862 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846907 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304825095 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304857394 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813314 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304825565 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828852 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828126 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304825289 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848291 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833608 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840859 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833609 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848285 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304832985 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757455 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847863 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840194 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304849258 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304828135 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304839436 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845365 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817812 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846390 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848286 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847777 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304854849 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304857396 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846405 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304856469 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304852054 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304845386 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304833249 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754788 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848545 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848546 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768592 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768593 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754786 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768587 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848541 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848476 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768596 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768591 | XXXXX D B C | N/A | N/A D B C | N/A | N/A D B C | N/A | N/A D B C | N/A | N/A D B C | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848484 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848486 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768595 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749875 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749869 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304758929 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848542 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304736424 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848544 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749885 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754789 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754787 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304754785 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848473 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768614 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768613 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768607 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768610 | XXXXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848505 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768609 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848539 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848523 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848514 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848528 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848530 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848511 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848522 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848470 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848533 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749868 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848510 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848504 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848502 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848524 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848536 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848492 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848506 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768594 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848525 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848471 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848555 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768611 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848508 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768612 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848489 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848501 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768597 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848477 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848531 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848469 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848527 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848532 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848493 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848485 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848490 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848491 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848496 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848517 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848547 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848519 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848556 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848513 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848515 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779753 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779717 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779649 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779761 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779657 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779656 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779683 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779747 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779726 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779659 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779694 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779713 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779661 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779689 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779735 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779638 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779691 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779733 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779692 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779746 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779725 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779697 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779646 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779645 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779617 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779667 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779637 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779695 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779700 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779642 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779721 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824854 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824875 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824867 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824860 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824839 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824864 | XXXXX D B A | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824880 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824833 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824881 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824837 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824861 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824841 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824868 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824832 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824838 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824871 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824790 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824781 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824878 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824874 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824863 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824857 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824856 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824853 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824843 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824826 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824774 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824772 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824768 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824755 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824821 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824812 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824811 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824809 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824808 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824805 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824804 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824799 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824797 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824793 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824792 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824791 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824770 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824748 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824745 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811492 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811756 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811735 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821211 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821270 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821288 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728956 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728866 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728919 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304510564 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811754 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821271 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821269 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821263 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821246 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821241 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304811687 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821225 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821214 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811656 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811634 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304811626 | XXXXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304811623 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821200 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304821186 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841664 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841631 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841677 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841649 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841647 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841639 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841636 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841658 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841634 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841643 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841588 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841680 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841651 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841671 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841669 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841670 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841638 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841645 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756957 | XXXXX A B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757012 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756899 | XXXXX A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757237 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756901 | XXXXX A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757212 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756921 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816664 | XXXXX A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816792 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827840 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827943 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866941 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866943 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757158 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748521 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304780026 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304780024 | XXXXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827263 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812622 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818063 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823707 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304763852 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818150 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823549 | XXXXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823610 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844011 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827262 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823665 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827264 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304735869 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812561 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844153 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304764076 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817943 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827259 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817889 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844165 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843893 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823653 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848384 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304780023 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844268 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848374 | XXXXX D A C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D C | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848382 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817955 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859730 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859728 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859650 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859649 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304818191 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304425257 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304438762 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638111 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638228 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757663 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748512 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748515 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757797 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757632 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304375542 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495363 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495398 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304489899 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495397 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655153 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495382 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304669346 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679044 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304695165 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695182 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694716 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694696 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694769 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694658 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704711 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704774 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694639 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866914 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757071 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Pending Credit Review | ATR/QM: CDFI Lender Exempt |
| 304757062 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757075 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757138 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757081 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757134 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757049 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757099 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757069 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757064 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757108 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757073 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757093 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304757074 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304866916 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757168 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735951 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757145 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735891 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756934 | XXXXX D B | B | A D B | B | A D B | B | A D B | B | A D B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757166 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756992 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304704608 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756935 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757803 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757258 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757231 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756962 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756979 | XXXXX D A | B | A D | B | A D | B | A D | B | A D | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866910 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756933 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756902 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756911 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757170 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757681 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763766 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304756905 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812784 | XXXXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757208 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735926 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818145 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757154 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812802 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304816806 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304816784 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812667 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818111 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818099 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818096 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304817989 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818090 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304735866 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818130 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818117 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304763753 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823780 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828002 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757609 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823675 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812621 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823802 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818081 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818114 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812743 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812654 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812819 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304812726 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823800 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828066 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828086 | XXXXX D B | C | A D B | C | A D B | C | A D B | C | A D B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828068 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304817944 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304817976 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823450 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823804 | XXXXX D B A | C | B A D | C | B A D | C | B A D | C | B A D | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823820 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823536 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304817945 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866898 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844139 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844027 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844150 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844060 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818019 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828065 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304844010 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843989 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823490 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823689 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823828 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304823757 | XXXXX D A | D | A D | D | A D | D | A D | D | A D | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304817948 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843945 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304818018 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304827967 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304828026 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304843895 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866879 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304866927 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304818387 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843774 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304849036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828124 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828125 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852960 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304840440 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304839432 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304858947 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304839435 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304861543 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304839433 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852955 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304848623 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304825106 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304844590 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.43% | 68.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846893 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828851 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852947 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304759810 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304833269 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304858390 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304856472 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304871585 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.81% | 66.81% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304848122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304852958 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871587 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.34% | 69.34% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304858414 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.47% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304845367 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828122 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848290 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304840853 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304860684 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304847530 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304851990 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 58.18% | 58.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871579 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.75% | 66.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871590 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.25% | 63.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823121 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 51.71% | 51.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865050 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852005 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304845649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304779916 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871581 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.14% | 65.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871578 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.10% | 61.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304838909 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.83% | 70.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871583 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.59% | 63.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304841511 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871577 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.73% | 63.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304871584 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.58% | 61.58% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304862110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.59% | 79.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843776 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304848985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 55.88% | 55.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304848624 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304871589 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.84% | 65.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865073 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304844768 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871582 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.74% | 65.74% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304852004 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846862 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304840830 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304860686 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846883 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.29% | 74.29% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.31% | 96% | 4% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304849343 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304848284 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304855021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865070 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304860215 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304865071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865072 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848627 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304860666 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865410 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865063 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.31% | 93% | 7% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304820203 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304846407 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 73.30% | 73.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304858954 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756745 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.1 |  |
| 304840439 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304852948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868114 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846882 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 31.75% | 31.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304858953 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 31.41% | 31.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304860214 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.97% | 64.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846319 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 51.63% | 51.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304846515 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 48.23% | 48.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304844754 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304844772 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.39% | 68.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846402 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.78% | 74.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304857391 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868245 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848628 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843778 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304868116 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.23% | 50.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304845371 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304824142 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.99% | 65.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846305 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304840981 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304846408 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304867879 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304848117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846239 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304840869 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868292 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304849341 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304843728 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.12% | 64.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304845382 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304858411 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304852006 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 55.31% | 55.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304868110 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304865138 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843290 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 48.36% | 48.36% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304823119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304826971 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865208 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304842892 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.09% | 73.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304868293 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304865137 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304856480 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304840866 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304862132 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846991 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.43% | 71.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304867878 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304846888 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868112 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304095987 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.07% | 64.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304351713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.40% | 73.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304420823 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459054 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.94% | 74.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304390747 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304477566 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304510940 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304462087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304481754 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304641858 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304492770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304679544 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678940 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304671551 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304682195 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304678941 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304686776 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304676846 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.2 |  |
| 304704512 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304704977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304694290 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304696895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304695765 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304695772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304695764 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304701023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692692 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 74.94% | 74.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304704840 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304712960 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700357 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304698305 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700351 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304716859 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304710584 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304700918 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304727115 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728728 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304727787 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304727773 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.3 |  |
| 304727945 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304730181 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304728744 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304724011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732972 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304731281 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304729946 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304710908 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734772 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.68% | 71.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304716530 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304724647 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304731282 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304721813 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304733027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304732186 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749957 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.52% | 65.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304724410 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304730178 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.87% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304712964 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 68.94% | 68.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304751789 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304750431 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304758490 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304756854 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 54.33% | 54.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756845 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304745116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736660 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304755065 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304729322 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304755080 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304722334 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304730146 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304758006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754871 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.8 |  |
| 304719438 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304729325 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304642361 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304758001 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304759931 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304759930 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304750455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757917 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304750014 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304732132 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304767967 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304816402 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 50.63% | 50.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768659 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.67% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304765920 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304751790 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304758004 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304769711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304729317 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304764261 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734208 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304750456 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 35.67% | 35.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304730177 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757464 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.18% | 68.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812516 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 33.33% | 33.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304777313 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734763 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304702521 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.14% | XX/XX/XXXX | Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304750536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 71.22% | 71.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304759828 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.01% | 88% | 12% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304748771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304817555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304758977 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.83% | 70.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777370 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304819644 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812526 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304814843 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304736162 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304818389 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304777309 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304822429 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304814842 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304818277 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304818388 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304765379 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823005 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304769716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304813316 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304812514 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304821136 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304813076 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828931 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304821133 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.72% | 70.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304813311 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304777805 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.37% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304826757 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304819635 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 78.35% | 78.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304777304 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304816514 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.9 |  |
| 304825105 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304823407 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304828853 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304814846 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304748772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304828932 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304833270 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304821134 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.67% | 71.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304839008 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304827644 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304825104 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304748770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304829006 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304725173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304817814 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304834675 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304827643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304840192 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304826881 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 45.04% | 45.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304838941 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818395 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 59.38% | 59.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304819488 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304842878 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.59% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304838914 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304823178 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 45.16% | 45.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304845402 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304845370 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304834673 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843012 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.60% | 50.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304838937 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304842880 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304828339 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304845401 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304845400 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304838907 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.68% | 73.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828351 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 56.42% | 56.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828426 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304821127 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 79.00% | 79.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304780139 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1.1 |  |
| 304833251 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843775 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843755 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 49.66% | 49.66% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846514 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847862 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846907 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304825095 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304857394 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304813314 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304825565 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828852 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304828126 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304825289 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 66.96% | 66.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304848291 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304833608 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.72% | 64.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304840859 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304833609 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.33% | 61.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.44% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304848285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304832985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757455 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304847863 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.34% | 79.34% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304840194 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304849258 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304828135 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.42% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304839436 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304845365 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304817812 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 66.38% | 66.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304846390 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304848286 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847777 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304854849 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304857396 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304846405 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304856469 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.91% | 74.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.90% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304852054 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304845386 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304833249 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304754788 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 59.53% | 59.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848545 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848546 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768592 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.05% | 67.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768593 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.79% | 70.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754786 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768587 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848541 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.47% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848476 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.50% | 67.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.50% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768596 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.28% | 60.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 66.67% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768591 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 40.51% | 40.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -13.60% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848484 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848486 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768595 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749875 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749869 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | Form 1073 |  |  | Not Eligible | N/A |  |
| 304758929 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 78.57% | 78.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848542 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 76.00% | 76.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848544 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749885 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754789 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754787 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304754785 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848473 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768614 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 69.86% | 69.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768613 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768607 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768610 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848505 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768609 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848539 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.52% | 68.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848514 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848528 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848530 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.51% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848511 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848522 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848470 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.55% | 68.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848533 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304749868 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | Form 1073 |  |  | Not Eligible | N/A |  |
| 304848510 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848504 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 76.90% | 76.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848502 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.43% | 71.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.03% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848524 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.79% | 68.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848536 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848492 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848506 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.90% | 73.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768594 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848525 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848471 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 43.94% | 43.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768611 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848508 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768612 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848489 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 54.44% | 54.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848501 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.96% | 69.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304768597 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.45% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848477 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 68.88% | 68.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848531 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.67% | 68.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848469 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848527 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 71.06% | 71.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848532 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848493 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.47% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848485 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.33% | 68.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848490 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848491 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848496 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 71.38% | 71.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848517 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848547 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 71.25% | 71.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848519 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848556 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848513 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848515 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779753 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.49% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779717 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 72.50% | 72.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779649 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 58.78% | 58.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779761 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779657 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779656 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.40% | 79.40% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.26% | 93% | 7% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779683 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779747 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 0 |  |
| 304779726 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.23% | 59.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779659 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779694 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779713 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779661 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779689 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779735 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779638 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779691 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779733 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.51% | 67.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779692 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779746 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779725 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.60% | 61.60% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779697 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 76.67% | 76.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779645 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 76.67% | 76.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779617 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779667 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779637 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 51.16% | 51.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779695 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779700 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779642 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779721 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 78.08% | 78.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824854 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824875 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824867 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824860 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304824839 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.41% | 70.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824864 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824880 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824833 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304824881 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824837 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.42% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824861 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824841 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.82% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824868 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824832 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824838 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.70% | 70.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824871 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824790 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.18% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824781 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824878 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824874 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824863 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304824857 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824856 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.52% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304824853 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 78.95% | 78.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824843 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304824826 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824774 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824772 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.28% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824768 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 76.88% | 76.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824755 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824821 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824812 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824811 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824809 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824808 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 77.71% | 77.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.76% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824805 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.71% | 64.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824804 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.97% | 74.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824799 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824797 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824793 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824792 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.90% | 74.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824791 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824770 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824748 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.31% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824745 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.74% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811492 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.83% | 63.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304811756 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811735 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304821211 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.55% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304821270 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304821288 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728956 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 76.80% | 76.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728866 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728919 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304510564 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |  |  |  |
| 304811754 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304821271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304821269 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304821263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304821246 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304821241 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.31% | 54.31% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 304811687 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304821225 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 304821214 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304811656 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304811634 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 304811626 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304811623 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 304821200 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304821186 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 304841664 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.75% | 55.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 304841631 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304841677 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 304841649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304841647 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.15% | 71.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304841639 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304841636 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304841658 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304841634 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304841643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304841588 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.82% | 8.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304841680 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304841651 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.25% | 66.25% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 304841671 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 54.88% | 54.88% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304841669 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 304841670 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.12% | 74.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304841638 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.54% | 61.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304841645 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304756957 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 75.00% | 75.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304757012 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 64.66% | 64.66% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/27/2025 |  |  |  | Not Eligible |  |  |
| 304756899 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 304757237 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304756901 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 68.79% | 68.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304757212 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/18/2025 |  |  |  | Not Eligible |  |  |
| 304756921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 65.00% | 65.00% | $XXX | $XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304816664 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 68.59% | 68.59% | $XXX | $XXX | 4.76% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 4.76% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304816792 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 70.00% | 70.00% | $XXX | $XXX | 3.04% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.04% | 85% | 15% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304827840 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 59.91% | 59.91% | $XXX | $XXX | -14.41% | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -14.41% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 304827943 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 65.00% | 65.00% | $XXX | $XXX | 23.91% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 23.91% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304866941 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Narrative | $XXX | 19.78% | 19.78% | $XXX | $XXX | -3.94% | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.94% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304866943 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 75.00% | 75.00% | $XXX | $XXX | -6.90% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.90% | 92% | 8% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304757158 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304748521 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 41.67% | 41.67% |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XX/XX/XXXX | Form 71A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304780026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.60% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304780024 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 29.41% | 29.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 37.06% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304827263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 7.69% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304812622 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 64.11% | 64.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 304818063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 8/19/2025 | 1004D |  |  | Not Eligible |  |  |
| 304823707 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304763852 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304818150 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 8/24/2025 | 1004D |  |  | Not Eligible | 2.6 |  |
| 304823549 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 64.85% | 64.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823610 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304844011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304827262 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.34% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304823665 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.40% | 60.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304827264 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.50% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304735869 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 8/1/2025 | 1004D |  |  | Not Eligible | 2.8 |  |
| 304812561 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.59% | 61.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304844153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304764076 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.92% | 68.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304817943 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 9/17/2025 | 1004D |  |  | Not Eligible |  |  |
| 304827259 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 38.64% | 38.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 10.55% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304817889 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 69.80% | 69.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304844165 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304843893 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304823653 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 9/3/2025 | 1004D |  |  | Eligible | 1 |  |
| 304848384 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 9/18/2025 | 1004D |  |  | Not Eligible |  |  |
| 304780023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.14% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 9/16/2025 | 1004D |  |  | Not Eligible |  |  |
| 304844268 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304848374 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 7.53% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304848382 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 21.43% | 21.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.14% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304817955 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304859730 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304859728 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 9/23/2025 | 1004D |  |  | Eligible | 1 |  |
| 304859650 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304859649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818191 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 72.97% | 72.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304425257 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.38% | 74.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304438762 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65.10% | 65.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304638111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304638228 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 48.41% | 48.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757663 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 7/1/2025 | 1004D |  |  | Not Eligible |  |  |
| 304748512 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.65% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304748515 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 71A | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 25.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | 6/25/2025 | 1004D |  |  | Not Eligible |  |  |
| 304757797 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 60.99% | 60.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304757632 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304375542 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.00% | 75.00% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304495363 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304495398 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304489899 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304495397 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304655153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.00% | 85.00% | $XXX | $XXX | -8.21% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.21% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304495382 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304669346 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304679044 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.85% | 48.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304695165 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.01% | 69.01% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304695182 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304694716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304694696 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694769 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.27% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304694658 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.17% | 69.17% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304704711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704774 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304694639 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866914 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757071 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304757062 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.96% | 79.96% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304757075 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.00% | 50.00% | $XXX | $XXX | 6.82% | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 6.80% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304757138 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304757081 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304757134 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304757049 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 304757099 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304757069 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304757064 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304757108 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757073 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.95% | 89.95% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304757093 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 304757074 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 304866916 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304757168 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.95% | 79.95% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304735951 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.99% | 84.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757145 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304735891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 304756934 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.68% | 64.68% | $XXX | $XXX | -3.83% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.83% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304757166 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304756992 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304704608 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304756935 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304757803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757258 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 4.96% | 92% | 8% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304757231 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | -48.14% | AVM |  |  |  |  | $XXX | $XXX | 6.13% | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -48.14% | 82% | 18% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304756962 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304756979 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304866910 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91% | 79.91% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756933 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304756902 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 4.75% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 4.75% | 95% | 5% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304756911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 1.59% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.59% | 97% | 3% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304757170 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 1.72% | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.93% | 97% | 3% | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 1.72% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 304757681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304763766 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756905 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | -12.63% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -12.63% | 82% | 18% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304812784 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304757208 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304735926 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.21% | 43.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304818145 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304757154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304812802 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304816806 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304816784 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.92% | 73.92% | $XXX | $XXX | -1.16% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.16% | 97% | 3% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 304812667 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304818111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.92% | 89.92% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818099 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304818096 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304817989 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818090 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304735866 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.25% | 72.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304818130 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818117 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.72% | 66.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304763753 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823780 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 304828002 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304757609 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304823675 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823802 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.28% | 78.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304818081 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304818114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304812743 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.98% | 62.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304812819 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304812726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304823800 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304828066 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | -5.06% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.06% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 304828086 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99% | 89.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304828068 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 304817944 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | -8.51% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.51% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304817976 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823450 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 304823804 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304823820 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304823536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304817945 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 304866898 | XXXXX | XXXXX | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.76% | 69.76% | $XXX | $XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304844139 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304844027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304844150 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304844060 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304818019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304828065 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304844010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304843989 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.56% | 79.56% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 304823490 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304823689 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304823828 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.97% | 67.97% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304823757 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.24% | 29.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 304817948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304843945 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.79% | 55.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304818018 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304827967 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 304828026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.10% | 92% | 8% | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304843895 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304866879 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.15% | 48.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 304866927 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% | $XXX | $XXX | 15.10% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 15.10% | 90% | 10% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.21

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

Executive Summary <br> JPMMT 2025-NQM5

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loan was originated by one loan seller and acquired directly (or indirectly) by J.P. Morgan Chase Bank, National Association. through a Reliance Letter. The loan review was conducted in January 2025.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number of Assets.

There is 1 asset in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review Process.

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US Residential Mortgage-backed Securitizations, dated August 20, 2025 |
| &nbsp;&nbsp;S&P Global, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025<br>|

---

The post-closing review included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

Page 1 of 10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 1 mortgage loan with an aggregate original principal balance of approximately $594,150. The mortgage loan originated in December 2024 by one correspondent Seller.

&nbsp;&nbsp;&nbsp;&nbsp;(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

Page 2 of 10

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae Uniform Collateral Data Portal Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies (AMC) for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

Page 3 of 10

**Compliance Review Methodology**

CRES review on this consumer loan included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Page 4 of 10

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR
§1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 3.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

Page 5 of 10

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories:

(i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Loans in the population were reviewed to the new General QM requirements.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;&nbsp;100.00% |

---

**Document Review**

CRES reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;● Appraisal. |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;● Asset documentation.<br>&nbsp;&nbsp;&nbsp;&nbsp;● Business Purpose Certification (if applicable)<br>|
| &nbsp;&nbsp;&nbsp;● Changed circumstance documentation. |
| &nbsp;&nbsp;&nbsp;● Credit report. |
| &nbsp;&nbsp;&nbsp;● FACTA disclosures. |
| &nbsp;&nbsp;&nbsp;● Final 1003. |
| &nbsp;&nbsp;&nbsp;● Final HUD-1/Closing Disclosure(s). |
| &nbsp;&nbsp;&nbsp;● Hazard and/or flood insurance policies. |
| &nbsp;&nbsp;&nbsp;● HUD from sale of previous residence. |
| &nbsp;&nbsp;&nbsp;● Homeownership counseling organizations disclosure. |
| &nbsp;&nbsp;&nbsp;● Income and employment documentation. |
| &nbsp;&nbsp;&nbsp;● Initial and final GFE's. |
| &nbsp;&nbsp;&nbsp;● Initial application (1003). |

---

Page 6 of 10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;● Initial escrow disclosure. |
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;● Initial TIL.<br>&nbsp;&nbsp;&nbsp;&nbsp;● Leases<br>|
| &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;● Loan Estimate(s).<br>&nbsp;&nbsp;&nbsp;&nbsp;● Market Rent supporting documentation<br>|
| &nbsp;&nbsp;&nbsp;● Mortgage Insurance. |
| &nbsp;&nbsp;&nbsp;● Mortgage/Deed of Trust. |
| &nbsp;&nbsp;&nbsp;● Note. |
| &nbsp;&nbsp;&nbsp;● Notice of Special Flood Hazards. |
| &nbsp;&nbsp;&nbsp;● Sales contract. |
| &nbsp;&nbsp;&nbsp;● Tangible Net Benefit Disclosure. |
| &nbsp;&nbsp;&nbsp;● Title/Preliminary Title. |
| &nbsp;&nbsp;&nbsp;● Written List of Service Providers. |

---

&nbsp;&nbsp;&nbsp;&nbsp;(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City |  |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State | |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property Zip | |

---

The seller provided CRES with loan level data regarding the loan for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 1 mortgage loan reviewed, one unique mortgage loan had a tape discrepancy across the 20 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | **Discrepancy: No** | **Discrepancy: Yes** | **Total** |
| &nbsp;&nbsp;**Appraised Value** | 0 | 1 | 1 |
| &nbsp;&nbsp;**CLTV** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Doc Level** | 1 | 0 | 1 |
| &nbsp;&nbsp;**DTI** | 1 | 0 | 1 |
| &nbsp;&nbsp;**FICO** | 1 | 0 | 1 |
| &nbsp;&nbsp;**First Payment Date** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Interest Rate** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Lien Position** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Loan Term** | 1 | 0 | 1 |
| &nbsp;&nbsp;**LTV** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Note Date\*** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Note Type** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Occupancy** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Original Balance** | 1 | 0 | 1 |
| &nbsp;&nbsp;**P&I Payment** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Property City** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Property State** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Property Zip** | 1 | 0 | 1 |
| &nbsp;&nbsp;**Purpose** | 1 | 0 | 1 |
| &nbsp;&nbsp;**QM Type\*** | 1 | 0 | 1 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

Page 7 of 10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the loans by number have a Valuation grade of "A.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

Page 8 of 10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Second Home** | 1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | 100.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 0 | 0.00% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**60%-69.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**70%-79.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**80%-89.99%** | 1 | 100.00% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp; **NJ** | 1 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | **100.00%** |

---

Page 10 of 10

## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXXX | 304477253 | XXXXXXXXXXX | XXXXXXXXXXX | Appraised Value | XXXXXXXXXXX | Yes |

---

## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXXXX | 304477253 | XXXXXXXX | XXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Credit | Warranty Deed / Quit Claim Deed | Cleared Exception A | 2837 | The Warranty/ Grant Deed is missing from the loan file. | No | 1/16/2025 - document provided to cure. | Deed copy attached. This was included in the initial package upload pages XXXX<br> DEED.pdf (Deed) was uploaded | Cleared Exception |  |  |  |

---

## Exhibit 99.24

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.24**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 11/24/2025** | **Rating Agency Grades: 11/24/2025** | **Rating Agency Grades: 11/24/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXX | 304477253 | XXXXXXXXX C A |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXXXXXXXXX | 304477253 | XX/XX/XXXX | XXXXXXXXXXX | 85.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.26

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.26**

![](ex9926001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, JPMorgan Chase Bank, N.A. ("Client"). The review included a total of 1 newly originated residential mortgage loan, in connection with the securitization identified as JPMMT 2025-NQM5 (the "Securitization"). The review began on September 19, 2023, and concluded on May 16, 2024.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

![](ex9926001.jpg)

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

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

○ The monthly DTI or residual income.

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

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

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

![](ex9926001.jpg)

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9926001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

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

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Conforming
 Loan population – Additional valuation product was not required when the CU score
 provided was below 2.5. In the event the CU score was equal to or greater than 2.5, an
 additional valuation product was reviewed to confirm value was supported within 10% tolerance.
 In some instances, CDA's were provided in the loan file and reviewed on loans that
 had an acceptable CU score based on guidance from the seller.

![](ex9926001.jpg)

Digital Risk applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product that was also provided by the client.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;No Discrepancies | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex9926001.jpg)

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;1 | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;100.00% |

---

![](ex9926001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.27

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.27**

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 1 |  |
| **Fields Reviewed** | **Count** | **Percentage** |
| No Discrepancies | 0 | 0.00% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 1 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |

---

## Exhibit 99.28

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SellerLoanID** | **Customer Loan Number** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 304054010 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report.<br>**  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.29

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SellerLoanID** | **Customer Loan Number** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 304054010 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.30

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 304054010 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.31

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.31**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from May 2025 to September 2025 and were collateralized by residential real estate. The loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 15 loans selected by the Client to include in JPMMT 2025-NQM5 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 15 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 1

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification,
 number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical
 conditions? Does the appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm,
 and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included
 that may have been utilized to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient
 explanation provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the fifteen (15) business purpose loans, no compliance testing was completed, and a compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer
 Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
 acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered
 to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your
 Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
 acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered
 to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided
 within 3 business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal
 High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify
 points and fees and/or APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;o Higher-priced
 Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR
 Threshold with the corresponding appraisal and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right
 of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review
 accuracy, timing and content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
 all requisite consumers received notice and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified
 Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform
 points and fees test to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence
 to Appendix Q and DTI below 43% or Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application
 Dates of 1/10/2014 to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence
 to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application
 Dates of 3/1/2021 to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence
 to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application
 Dates of 7/1/2021 to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR
 threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application
 Dates on or after 10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject
 to any guidance updates from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
 does not contain "risky feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain
 a valid and approved AUS, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay
 ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's
 ability to repay; however, there is no representation or warranty, implied or otherwise,
 that a court (or other administrative/legislative authority) will agree with the determination.
 IB objectively confirmed the following eight (8)-factors had been considered and, where applicable,
 documented:

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (i) The consumer's
 current or reasonably expected income or assets, other than the value of the dwelling,
 including any real property attached to the dwelling, that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If
 the creditor relies on income from the consumer's employment in determining repayment
 ability, the consumer's current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer's
 monthly payment on the covered transaction, calculated in accordance with paragraph
 (c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer's
 monthly payment on any simultaneous loan that the creditor knows or has reason to know will
 be made, calculated in accordance with paragraph (c)(6) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer's
 monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer's
 current debt obligations, alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer's
 monthly debt-to-income ratio or residual income in accordance with paragraph (c)(7) of
 this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer's
 credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID
 (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan
 Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial LE was provided
 within three (3) business days of application as provided by the broker or creditor and loan
 does not consummate within seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within three
 (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Complete in all material
 respects

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contains NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the "In
 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm creditor provided
 CD no later than three (3) business days of consummation and confirm all relevant fields
 are complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ensure technical requirements
 are met – Rounding, Alphabetization, Number of Fees per category and title fees properly
 labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation
 of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total
 Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected
 Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance
 payments, interest only periods and final balloon payments are present and displayed in the
 correct number of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable
 Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No
 fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee
 descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
 terms match that of the subject loan – balance, rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
 Disclosures section is complete – Late Payment matches the note and the escrow section
 is consistent within the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Fee
 and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence,
 timing and a validation of a change of circumstance and corresponding fee changes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Evidence
 Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present
 in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LE
 and CD form(s) provided to the borrower are consistent across the loan process

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o NMLS
 ID is present on the loan application, note, security instrument, LE and CD, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Items
 not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization
 of fees in the appropriate section

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of information for fields not expressly stated above

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence
 and accuracy of the Seller's Transaction columns on the Seller's columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State
 High-cost and Predatory lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm
 GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special
 Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice
 of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated
 Business Arrangement Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership
 Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal
 Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence,
 acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 6

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;73.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &nbsp;&nbsp;73.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Cash Out: Other/Multipurpose/<br> Unknown purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;9 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Townhouse (Do not report as "PUD") | &nbsp;&nbsp;1 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;13.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary <br> JPMMT 2025-NQM5<br> pg. 9

## Exhibit 99.32

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.32**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| (redacted) | 304720336 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Variance is non-material. |
| (redacted) | 304715268 | Appraised Value | (redacted) | (redacted) | Review Value is the Appraisal (redacted) value. Appraisal (redacted) value is (redacted). BPO Value is (redacted). Tape Value is the Market Approach value from Appraisal (redacted). |
| (redacted) | 304715268 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Variance is non-material. |
| (redacted) | 304725165 | Amortization Type | Fixed Rate | Fixed (IO) | Per the Note, the loan has a (redacted) month interest only period. |
| (redacted) | 304725165 | Original Note Balance | (redacted) | (redacted) | Per the Note, the original balance is (redacted). Unable to determine the source of the tape value. |
| (redacted) | 304725165 | Original Interest Rate | (redacted) | (redacted) | Per the Note, the interest rate is (redacted). Unable to determine the source of the tape value. |
| (redacted) | 304725165 | Interest Only Term In Months | (redacted) | (redacted) | Per the Note, the loan has a (redacted) month interest only period. |
| (redacted) | 304725165 | Original Loan to Value | (redacted) | (redacted) | The Approval reflects LTV (redacted), unable to determine the source of the tape value. |
| (redacted) | 304725165 | Original Combined Loan to Value | (redacted) | (redacted) | The Approval reflects LTV (redacted), unable to determine the source of the tape value. |
| (redacted) | 304725165 | Original P&I Payment | (redacted) | (redacted) | Per the Note, the original interest only payment is (redacted). The first P&I payment starting (redacted) is (redacted). Unable to determine the source of the tape value. |
| (redacted) | 304725165 | Appraised Value | (redacted) | (redacted) | Appraised value is (redacted). Tape value reflects the property's recent list price. Appraised value is lower so that was used. |
| (redacted) | 304725165 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approval reflects DSCR (redacted). Unable to determine the source of the tape value. Non material variance to either value, and no DSCR calculation in the file. |
| (redacted) | 304751775 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Variance is non-material ((redacted) Min Required) |
| (redacted) | 304730788 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Review DSCR based on documented PITIA. |
| (redacted) | 304750035 | Property Type | Single Family - Detached | Condo | Subject is a condominium as per Appraisal. Source of Tape Value is unknown. |
| (redacted) | 304866982 | Original Note Balance | (redacted) | (redacted) | Source of Tape is unknown. Review Value captured from the Note, (redacted). |
| (redacted) | 304866982 | Original Interest Rate | (redacted) | (redacted) | Source of Tape is unknown. Review Value captured from the Note, (redacted).<br>|
| (redacted) | 304866982 | Original P&I Payment | (redacted) | (redacted) | Source of Tape is unknown. Review Value captured from the Note, (redacted). |
| (redacted) | 304866982 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Non-material variance is due to the hazard insurance premium (Minimum Required (redacted)). |
| (redacted) | 304758207 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Remove. Variance is non-material (Min Required (redacted)) |
| (redacted) | 304856536 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Non-material variance is due to rounding. |

---

## Exhibit 99.33

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304720336 (redacted) | 1114159 | 06/03/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 2 | 2 | Acknowledged | Investor exception noted in file due to boiler and zoning of legal non-conforming on multi family > (redacted) units. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Net tangible benefit - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; |  | 06/03/2025 EV2/B - Exception Desk email in file, Investor has reviewed and approved this exception, file is updated w/notes. | Funded C B |
| (redacted) | 304715268 (redacted) | 1114144 | 06/03/2025 | Property | Missing Third Party Appraisal Review | APPR 0046 | 3 | 1 | Closed | Missing commercial BPO or second appraisal reflecting value of (redacted). Only one appraisal is in the file which reflects a value of (redacted). Per the final approval the appraised value is (redacted), indicating there may be a second appraisal with this value that was not provided. Per guidelines, a commercial BPO or second appraisal is required. | 06/05/2025 | Verified reserves - (redacted) months reserves, (redacted) months reserves received in cash out proceeds per the closing statement.; |  | 06/05/2025 Recd Appraisal(redacted) , Appraisal (redacted), and BPO. Appraisal (redacted) value (redacted). Appraisal (redacted) value is (redacted). BPO Value is (redacted). Approved Value of (redacted) is the Market Approach from Appraisal (redacted). - 06/05/2025 Recd Appraisal (redacted) , Appraisal (redacted), and BPO. Appraisal (redacted) value (redacted). Appraisal (redacted) value is (redacted). BPO Value is (redacted). Approved Value of (redacted)is the Market Approach from Appraisal (redacted). | Funded C A |
| (redacted) | 304715268 (redacted) | 1114155 | 06/03/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing evidence of property tax on the subject property. Per guidelines, the source must be Title policy or current real estate tax bill. No tax bill or indication of taxes on the Certification of Title in the file. Reviewer used (redacted) annually from the final application, only other source is appraisal which reflects (redacted). Final DSCR is pending this information. Review DSCR using this and documented insurance is (redacted), which does not align to the lender approval DSCR (redacted). | 06/05/2025 | Verified reserves - (redacted) months reserves, (redacted) months reserves received in cash out proceeds per the closing statement.; |  | 06/05/2025 Finding is cleared with the attached documented tax (redacted), includes city/school/county tax. DSCR > (redacted) with insurance and tax considered. - 06/05/2025 Finding is cleared with the attached documented tax (redacted), includes city/school/county tax. DSCR > (redacted) with insurance and tax considered.<br> 06/05/2025 Attached prelim does not reflect taxes due. | Funded C A |
| (redacted) | 304731317 (redacted) | 1117093 | 06/24/2025 | Credit | Missing Proof Judgement and/or Tax Lien Paid/Released | CRED 0024 | 3 | 1 | Closed | Missing evidence of child support lien release in the amount of redacted).<br>--Per guidelines, Any Individual Judgment/Lien <= (redacted) and cumulatively up to (redacted) can remain per policy assuming they are not currently attached to title. | 06/27/2025 | Verified housing payment history - Credit report reflects (redacted) open mortgage reporting no late payments in the most recent (redacted) months.; |  | 06/27/2025 Recd release of notice of child support lien. - 06/27/2025 Recd release of notice of child support lien. | Funded C A |
| (redacted) | 304731317 (redacted) | 1117095 | 06/24/2025 | Credit | Asset Documentation is Insufficient | CRED 0083 | 3 | 2 | Acknowledged | Missing operating agreement, (redacted), to confirm ownership percentage. Business funds were used to satisfy reserve requirements. Certificate of filing does not satisfactorily document ownership percentage or access and eligibility to use funds.<br>--Per guidelines, Business bank account required full Operating Agreement that details ownership of the entity and access to funds in the entity's bank/brokerage account(s). If the business account is in the name of an entity other than the borrowing entity, then the following must be true:<br>1) Access and eligibility to utilize the funds must be documented;<br>2) The percentage of funds eligible to be utilized will be tied directly to the percentage of ownership in the applicable entity.<br>|  | Verified housing payment history - Credit report reflects (redacted) open mortgage reporting no late payments in the most recent (redacted) months.; |  | 07/09/2025 EV2/B - Investor Acknowledged Exception. Alternative documentation, Certificate of Formation, was used to evidence ownership of the non-borrowing entity for which assets were used to satisfy reserve requirements.<br>06/27/2025 Certificate of formation does not satisfy guideline requirements. Missing operating agreement or investor acknowledgement to use alternative documentation. The business account is in the name of an entity other than the borrowing entity. | Funded C B |
| (redacted) | 304725165 (redacted) | 1118516 | 07/02/2025 | Credit | Title Policy - Schedule B Exception | TITL 0014 | 3 | 1 | Closed | Missing evidence of the release of lien for the (redacted) mortgage on the title commitment, (redacted). | 09/12/2025 | Established credit history - Open, active credit dates back to (redacted) with no reported lates.; |  | 09/12/2025 Received attestation from title company: The lien of (redacted) was paid on a previous closing we completed on (redacted) file (redacted). Finding cleared. - 09/13/2025 Received attestation from title company: The lien of (redacted) was paid on a previous closing we completed on (redacted). Finding cleared. | Funded C A |
| (redacted) | 304725165 (redacted) | 1118517 | 07/02/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 1 | Closed | Missing approval of the subject. The property was listed for sale on (redacted), then listed again on (redacted) until removed prior to closing. The total days on the market was (redacted) days. Per guidelines, if the property was listed for sale for > (redacted) days then Credit Policy must approve the loan and may reduce the applicable leverage. | 07/09/2025 | Established credit history - Open, active credit dates back to (redacted) with no reported lates.; |  | 07/09/2025 Agree, listing price > appraisal value, thus reduction of leverage is not applicable. - 07/09/2025 Agree, listing price > appraisal value, thus reduction of leverage is not applicable. | Funded C A |
| (redacted) | 304725165 (redacted) | 1118529 | 07/02/2025 | Credit | Cashout Exceeds Guidelines | CRED 0022 | 3 | 1 | Closed | Missing verification the lien being paid off is associated with the subject property. It does not appear on the title commitment. Per the VOM, the original balance was (redacted). The title commitment for the simultaneous loan (redacted) reflects an existing mortgage originally for (redacted) and the VOM for that loan reflects an original balance of (redacted). The two original balances(redacted) which does not match the lien amount. Unable to reconcile that the two mortgages being paid off for these two transactions clear the lien on title, and that the lien is also associated with this property. <br>If the lien being paid off on the subject is considered in the cash out due to not being recorded against the subject, then cash out is (redacted) which exceeds the (redacted) maximum. | 09/12/2025 | Established credit history - Open, active credit dates back to (redacted) with no reported lates.; |  | 09/12/2025 Attestation from title company provided: Regarding the lien for (redacted), we paid off between (redacted) that is very close to the lien amount. Finding cleared. - 09/13/2025 Attestation from title company provided: Regarding the lien for (redacted), we paid off between (redacted) that is very close to the lien amount. Finding cleared. | Funded C A |
| (redacted) | 304751775 (redacted) | 1120377 | 07/11/2025 | Credit | Missing evidence of property management experience | CRED 0039 | 3 | 1 | Closed | Missing property tack record to document > (redacted) months experienced property investor. Borrower acquired the subject property within the past (redacted) months. Borrower does not qualify as first time investor. | 09/17/2025 | Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle credit score (redacted) > (redacted) Minimum Required.; |  | 09/17/2025 Recd screen print reflecting borrowing entity (redacted) ownership of (redacted). The title is held in the name of the (redacted). The (redacted) was established to invest and manage real estate as per the operating agreement in file. Properties are managed by a property malmanagement company, as per subject lease in file. The property was acquired (redacted), thus documenting (redacted) months property management experience. - 09/17/2025 Recd screen print reflecting borrowing entity (redacted) ownership of (redacted). The title is held in the name of the (redacted). The (redacted) was established to invest and manage real estate as per the operating agreement in file. Properties are managed by a property malmanagement company, as per subject lease in file. The property was acquired (redacted), thus documenting (redacted) months property management experience. | Funded C A |
| (redacted) | 304730788 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304750035 (redacted) | 1133269 | 08/28/2025 | Credit | Missing Evidence of Ownership of Free and Clear Property | CR 0011 | 3 | 1 | Closed | Missing property reports to evidence the following properties are owned free & clear: <br>(redacted)<br>Letter of explanation from borrower does not satisfactorily document free & clear ownership; Per guidelines, (redacted) on all owned real estate. | 09/10/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/10/2025 Finding is cleared with the attached borrower LOE confirming prior cross collateralized loan was paid in full, which explains the loan reporting on the fraud report with title commitment reflecting no existing liens. - 09/10/2025 Finding is cleared with the attached borrower LOE confirming prior cross collateralized loan was paid in full, which explains the loan reporting on the fraud report with title commitment reflecting no existing liens.<br> 09/02/2025 Recd tax summary to evidence (redacted) is unimproved land. Included are (redacted) searches: (redacted). Loan documentation is attached form concurrent refinance (redacted). --Finding remains. Missing borrower loe confirming the following reo is undeveloped land owned free and clear: <br> (redacted)<br>(redacted) report for (redacted) is not attached. The (redacted)report in file is not reporting this REO. | Funded C A |
| (redacted) | 304750035 (redacted) | 1133270 | 08/28/2025 | Credit | Unacceptable Mortgage History | CRED 0001 | 3 | 1 | Closed | Credit report reflects (redacted) on (redacted). The last late date is not reporting. Missing is verification of (redacted); Per guidelines, (redacted) on all owned real estate. | 09/10/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/10/2025 Finding is cleared with the attached credit supplement confirming last (redacted) days late > (redacted) months. - 09/10/2025 Finding is cleared with the attached credit supplement confirming last (redacted) days late > (redacted) months.<br> 09/02/2025 Missing documentation from (redacted)a for the loan file to evidence no last late payment reporting is due to delinquencies > (redacted) months. Or, a supplement with date of last late reporting OR VOM reflecting (redacted) can be accepted. | Funded C A |
| (redacted) | 304750035 (redacted) | 1133271 | 08/28/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing CD / Settlement Statement for concurrent refinance of (redacted). | 09/02/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/02/2025 Recd final CD for concurrent refinance. - 09/02/2025 Recd final CD for concurrent refinance. | Funded C A |
| (redacted) | 304750035 (redacted) | 1133272 | 08/28/2025 | Credit | Fraud report alerts have not been addressed | FRAUD 0001 | 3 | 1 | Closed | Fraud report reflects an existing loan dated (redacted) in the amount of (redacted) on (redacted) and subject, (redacted). Borrower is a homebuilder that develops undeveloped land. Missing confirmation that there are no existing unrecorded cross collateralized loans; Per guidelines, (redacted) on all owned real estate. | 09/12/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 09/12/2025 Refer CRED 0011 - Finding is cleared with the attached borrower LOE confirming prior cross collateralized loan was paid in full, which explains the loan reporting on the fraud report with title commitment reflecting no existing liens. - 09/13/2025 Refer CRED 0011 - Finding is cleared with the attached borrower LOE confirming prior cross collateralized loan was paid in full, which explains the loan reporting on the fraud report with title commitment reflecting no existing liens.<br> 09/02/2025 Fraud report reflects potential private lender cross collateralized loan. Missing letter of explanation from borrower addressing loan reporting dated (redacted) in the amount of (redacted) on (redacted) and subject, (redacted). | Funded C A |
| (redacted) | 304750035 (redacted) | 1133343 | 08/28/2025 | Credit | Missing Subordination Agreement | NOTE 0006 | 3 | 1 | Closed | Missing subordination agreement for existing HOA Deed of Trust. Title commitment does not reflect subordination agreement is required. DOT contains right of first refusal. (redacted) requires Right of First Refusal to not impede the first lien holder. Lender's closing instruction were not in file. | 10/02/2025 | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/02/2025 Recd subordination agreement. - 10/02/2025 Recd subordination agreement. | Funded C A |
| (redacted) | 304750035 (redacted) | 1133395 | 08/28/2025 | Credit | Missing Lender Project Condo Classification | COND 0010 | 3 | 2 | Acknowledged | Missing lender warrantable / non-warrantable project designation. Project appears to be non-warrantable due to HOA's Right of First Refusal. Non-Warrantable condos are ineligible. |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/07/2025 EV2/B - Finding downgraded with lender's project approval and the subordination agreement executed by the HOA to address first right of refusal.<br> 10/06/2025 Escalated to investor for review.<br> 09/04/2025 Recd the lender's condo project approval, but the email doesn't provide the designation of warrantable or non-warrantable.<br> 09/02/2025 The condominium project consists of (redacted)units per appraisal. Per (redacted), Project review is waived for new and established condo projects that consist of no more than four units. | Funded C B |
| (redacted) | 304866982 (redacted) | 1146331 | 10/22/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing (redacted) origination credit report. Only page one was provided in file. | 10/27/2025 | Verified housing payment history - Credit report, (redacted), reflects (redacted) open mortgage and (redacted) open home equity loan satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  | 10/27/2025 Finding is cleared with the attached copy of the co-borrowing guarantors credit report. - 10/27/2025 Finding is cleared with the attached copy of the co-borrowing guarantors credit report. | Approved C |
| (redacted) | 304758207 (redacted) | 1144911 | 10/15/2025 | Credit | Missing Underwriter Loan Approval | APRV 0001 | 4 | 1 | Closed | Missing the final loan approval. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Received the final loan approval. - 10/17/2025 Received the final loan approval. | Approved D |
| (redacted) | 304758207 (redacted) | 1145043 | 10/16/2025 | Credit | Missing Final 1003 Application | APP 0001 | 4 | 1 | Closed | Missing final application executed by the borrower at closing. The loan application should include entity and guarantor information. -- Per guidelines, To apply for either Borrower or Guarantor approval, each prospective borrower/guarantor must complete a corresponding application in its entirety as well as submit the required information/documentation. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Received Business Purpose part of the application. - 10/17/2025 Received Business Purpose part of the application.<br> 10/17/2025 Received the unexecuted copy of the Guarantor Application. -- Finding remains. Missing the Business Purpose part of the final application. Lenders loan application consists of (redacted) parts: Loan, Business Purpose, and Guarantor.<br> 10/17/2025 Finding is partially cleared with the attached Loan and Guarantor applications. Still missing the Business Purpose part of the application.<br> 10/17/2025 Finding is partially cleared with the attached Loan and Guarantor applications. Still missing the Business Purpose part of the application. | Approved D |
| (redacted) | 304758207 (redacted) | 1145051 | 10/16/2025 | Property | Missing Estimated Replacement Cost New for Property | APPR 0022 | 3 | 1 | Closed | Missing insurers replacement cost estimate. Email in file indicates that the RCE was attached, but the copy is not in file. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Received the replacement cost estimate. Coverage is sufficient to cover (redacted) of the replacement cost. - 10/17/2025 Received the replacement cost estimate. Coverage is sufficient to cover (redacted) of the replacement cost. | Approved C |
| (redacted) | 304758207 (redacted) | 1145064 | 10/16/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | Missing the final Settlement Statement. No Settlement statement was provided in file. Settlement statement is required to confirm cash received at closing, and that the hazard insurance premium and delinquent property taxes were paid at closing. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Finding is cleared with the attached paid receipt, payment date (redacted) for (redacted). - 10/17/2025 Finding is cleared with the attached paid receipt, payment date (redacted) for (redacted).<br> 10/17/2025 Finding is partially cleared with the attached copy of the settlement statement. Missing is evidence that the delinquent property taxes were paid prior to closing. Settlement statement does not show the delinquent taxes being paid at closing. Tax certificate reflects (redacted) delinquent property taxes due as of (redacted). Title commitment required that that delinquent taxes were to be paid current . | Approved D |
| (redacted) | 304758207 (redacted) | 1145067 | 10/16/2025 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 3 | 1 | Closed | Missing hazard insurance paid receipt for total premium of (redacted),(redacted). The loan file is missing the final settlement statement, thus unable to confirm if the premium was paid at closing. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Received the hazard insurance paid receipt. - 10/17/2025 Received the hazard insurance paid receipt. | Approved C |
| (redacted) | 304758207 (redacted) | 1145083 | 10/16/2025 | Credit | Missing Credit Report | CR 0001 | 4 | 1 | Closed | Missing the origination credit report. Mortgage payment history and liabilities have not yet been evaluated. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Received a copy of the origination credit report. - 10/17/2025 Received a copy of the origination credit report. | Approved D |
| (redacted) | 304758207 (redacted) | 1145086 | 10/16/2025 | Credit | Loan has a reserve requirement and no assets entered | CRED 0116 | 3 | 1 | Closed | Missing the final settlement statement to confirm cash to borrower received at closing. There are no documented assets in file. Cash out proceeds are needed to satisfy the (redacted) month reserve requirement. | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Finding is cleared with the attached copy of the executed settlement statement. - 10/17/2025 Finding is cleared with the attached copy of the executed settlement statement. | Approved C |
| (redacted) | 304758207 (redacted) | 1145089 | 10/16/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing (redacted) Letter or (redacted) executed at closing, affidavit of non-owner occupancy, and entity certificate, (redacted). | 10/17/2025 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  | 10/17/2025 Received a copy of the W9 form executed at closing. - 10/17/2025 Received a copy of the (redacted) form executed at closing. | Approved D |
| (redacted) | 304818643 (redacted) | 1145942 | 10/21/2025 | Compliance | Missing personal guarantee(s). | NOTE 0062 | 3 | 1 | Closed | Missing personal guaranty from (redacted), (redacted) owner of the borrowing entity, noted as a guarantor on the most recent approval. | 10/22/2025 |  |  | 10/22/2025 Finding is cleared with the attached final loan approval reflecting (redacted) as non-qualifying guarantor. - 10/22/2025 Finding is cleared with the attached final loan approval reflecting (redacted) Carmouche as non-qualifying guarantor. | Approved C |
| (redacted) | 304818643 (redacted) | 1145953 | 10/21/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. Additionally, the home address listed (redacted) is noted on the Track Record as an investment. The initial application reflects (redacted) as the guarantor's home address. | 10/22/2025 |  |  | 10/22/2025 Finding is cleared with the attached Business Purpose Borrower Application that was executed at closing. - 10/22/2025 Finding is cleared with the attached Business Purpose Borrower Application that was executed at closing. | Approved C |
| (redacted) | 304818643 (redacted) | 1145962 | 10/21/2025 | Property | Missing Third Party Appraisal Review | APPR 0046 | 3 | 1 | Closed | Missing appraisal review. File does not include (redacted) CU, (redacted) LCA, CDA/ARR, BPO, Field review or second appraisal as required per guidelines. | 10/22/2025 |  |  | 10/22/2025 Desk review provided with a value of (redacted) or (redacted) variance. Finding resolved. - 10/22/2025 Desk review provided with a value of (redacted) or (redacted) variance. Finding resolved. | Approved C |
| (redacted) | 304818643 (redacted) | 1145973 | 10/21/2025 | Credit | Missing Lease Agreement and/or Not Executed | LEAS 0001 | 3 | 1 | Closed | Missing the Lease Agreement for (redacted). Per the appraisal all four units are rented, but only three leases were provided. | 10/22/2025 |  |  | 10/22/2025 Finding is cleared with the attached executed lease agreement. - 10/22/2025 Finding is cleared with the attached executed lease agreement. | Approved C |
| (redacted) | 304818643 (redacted) | 1145975 | 10/21/2025 | Credit | Missing Mortgage History | CRED 0002 | 3 | 1 | Closed | Missing the mortgage payment history for the subject property mortgage being refinanced. | 10/22/2025 |  |  | 10/22/2025 Finding is cleared with the attached credit statement confirming (redacted). - 10/22/2025 Finding is cleared with the attached credit statement confirming (redacted). | Approved C |
| (redacted) | 304818643 (redacted) | 1145988 | 10/21/2025 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Insufficient funds for closing and reserves by (redacted). Per the final HUD, cash to close is (redacted). (redacted) months reserves required, or (redacted). Total funds required (redacted). (redacted) verified in the new (redacted) account. (redacted) does not reflect the borrower's name as an owner. (redacted) is in the name of (redacted), no documentation for this entity or to verify the borrower is an owner/authorized signer. | 10/22/2025 |  |  | 10/22/2025 Finding is cleared with the attached operating agreement, (redacted), to evidence borrower is (redacted) owner, thus allowing use of documented business funds. Business funds are sufficient to cover cash to close, thus individual funds can be used to satisfy the reserve requirements as the investor overlay does not allow use of business funds to satisfy reserve requirements. - 10/22/2025 Finding is cleared with the attached operating agreement, (redacted), to evidence borrower is (redacted) owner, thus allowing use of documented business funds. Business funds are sufficient to cover cash to close, thus individual funds can be used to satisfy the reserve requirements as the investor overlay does not allow use of business funds to satisfy reserve requirements. | Approved C |
| (redacted) | 304766056 (redacted) | 1146010 | 10/21/2025 | Credit | Underwriting Loan Approval is Deficient | APRV 0010 | 3 | 1 | Closed | Missing final approval. The only approval in the file is dated (redacted), only reflects conditional approval and does not match the final terms of the loan: Loan amount (redacted), appraised value (redacted). Approval reflects loan amount (redacted), appraised value 9redacted). | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Final approval provided. Finding cleared. - 10/22/2025 Final approval provided. Finding cleared. | Approved C |
| (redacted) | 304766056 (redacted) | 1146021 | 10/21/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Final executed Business Purpose Application provided. Finding cleared. - 10/22/2025 Final executed Business Purpose Application provided. Finding cleared. | Approved C |
| (redacted) | 304766056 (redacted) | 1146029 | 10/21/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | Missing the final HUD/Closing statement. The only closing statement in the file is unrelated to this loan or borrower/guarantor. | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Final HUD settlement statement provided. Finding cleared. - 10/22/2025 Final HUD settlement statement provided. Finding cleared. | Approved D |
| (redacted) | 304766056 (redacted) | 1146032 | 10/21/2025 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 3 | 1 | Closed | Missing evidence the hazard insurance premium is paid in full. The evidence of insurance does not address the balance, and the mortgage being paid off was not escrowed. | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Final Settlement Statement provided reflecting HOI as paid at close. Finding cleared. - 10/22/2025 Final Settlement Statement provided reflecting HOI as paid at close. Finding cleared. | Approved C |
| (redacted) | 304766056 (redacted) | 1146039 | 10/21/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing background check for guarantor (redacted). | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Background check for guarantor (redacted) provided. Finding cleared. - 10/22/2025 Background check for guarantor Robert Colvin III provided. Finding cleared. | Approved C |
| (redacted) | 304766056 (redacted) | 1146046 | 10/21/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing the following Entity documentation for (redacted):<br> - Operating Agreement, only the minutes from the organizational meeting are provided. They reference the Operating Agreement as exhibit B , but it was not included<br> -(redacted)or (redacted) form - the (redacted) in the file only includes the borrower's SSN, not the EIN. No evidence of an EIN in the file. The above meetings reference that the (redacted) must be completed but the form, or evidence of EIN, is not provided.<br> - Certificate of Good Standing | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Entity documentation for (redacted) provided which includes Cert of Good Standing, (redacted) and Operating Agreement. Finding cleared. - 10/22/2025 Entity documentation for (redacted) provided which includes Cert of Good Standing, (redacted) and Operating Agreement. Finding cleared. | Approved D |
| (redacted) | 304766056 (redacted) | 1146049 | 10/21/2025 | Credit | Loan has a reserve requirement and no assets entered | CRED 0116 | 3 | 1 | Closed | Missing evidence of sufficient funds to cover the (redacted) months reserves (redacted). Loan is indicated to be a cash out and cash out proceeds can be used, but the final HUD is not in the file to confirm sufficient proceeds to cover reserves. | 10/22/2025 | Verified credit history - FICO (redacted), minimum required (redacted).; |  | Final Settlement Statement provided reflecting final cash out to borrower which meets cash to close and reserve requirements. - 10/22/2025 Final Settlement Statement provided reflecting cash out to borrower which meets cash to close and reserve requirements. | Approved C |
| (redacted) | 304823959 (redacted) | 1146126 | 10/22/2025 | Credit | Missing Lease Agreement and/or Not Executed | LEAS 0001 | 3 | 1 | Closed | Missing a copy of the lease on the subject property. Per the appraisal comparable rent schedule, there is a lease in place from (redacted) for (redacted). The only lease in the file is for (redacted). | 10/22/2025 | Verified reserves - (redacted) months reserves or (redacted) required, borrower is receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/22/2025 Finding is cleared with the attached current signed lease agreement. - 10/22/2025 Finding is cleared with the attached current signed lease agreement. | Approved C |
| (redacted) | 304823959 (redacted) | 1146127 | 10/22/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. | 10/29/2025 | Verified reserves - (redacted) months reserves or (redacted) required, borrower is receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/29/2025 Finding is cleared with the attached copy of the business purpose borrower application executed at closing. - 10/29/2025 Finding is cleared with the attached copy of the business purpose borrower application executed at closing.<br> 10/28/2025 Attached Business Purpose Borrower Application is from a previous transaction. The attached application was executed in (redacted). Subject transaction closed (redacted).<br> 10/27/2025 Finding is partially cleared with the attached Guarantor and Loan Application. -- Finding remains. Still missing the Business Purpose Borrower Application executed at closing. Copy in file is not executed.<br> 10/24/2025 Received initial guarantor application. -- Finding remains. Missing final loan application executed at closing. The application consists of three parts, Loan, Business Purpose, and Guarantor.<br> 10/23/2025 Received the Business Purpose of Loan Certification. -- Finding remains. Missing final loan application executed at closing. The application consists of three parts, Loan, Business Purpose, and Guarantor. | Approved C |
| (redacted) | 304823959 (redacted) | 1146133 | 10/22/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 1 | Closed | Missing replacement cost from the insurer to verify sufficient coverage, or confirmation that the policy has guaranteed replacement cost coverage. HOI in the file does not address the settlement basis. | 10/23/2025 | Verified reserves - (redacted) months reserves or (redacted) required, borrower is receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/23/2025 Finding is cleared with the attached RCE, coverage of (redacted) > (redacted) RCE. - 10/23/2025 Finding is cleared with the attached RCE, coverage of (redacted) >(redacted) RCE. | Approved C |
| (redacted) | 304823959 (redacted) | 1146137 | 10/22/2025 | Credit | Credit Report is greater than 120 days old. | CRED 0129 | 3 | 1 | Closed | Missing updated credit report. The credit report in the file is dated (redacted), which was (redacted) days prior to the Note date (redacted). Per guidelines the credit report can not be older than (redacted) days as of the Note date. | 10/27/2025 | Verified reserves - (redacted) months reserves or (redacted) required, borrower is receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/27/2025 Finding is cleared with the attached updated credit report. - 10/27/2025 Finding is cleared with the attached updated credit report. | Approved C |
| (redacted) | 304823959 (redacted) | 1146146 | 10/22/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing background check for key principal of (redacted). | 10/24/2025 | Verified reserves - (redacted) months reserves or (redacted) required, borrower is receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/24/2025 EV2/B - Finding is downgraded with the attached post-consummation dated fraud report for the non-qualifying guarantor. - 10/24/2025 EV2/B - Finding is downgraded with the attached post-consummation dated fraud report for the non-qualifying guarantor.<br> 10/23/2025 Per guidelines, Key Principals of the borrowing entity will require a full background report. (redacted) defines a Key Principal as:<br> individual or entity with (redacted) ownership (or a majority or equal majority if (redacted))<br> Owner regardless of ownership % with direct control of the borrowing entity (Managing Member or Signor), Officer with Binding Authority)<br> 10/22/2025 Received the fraud report for the borrowing guarantor. -- Finding remains. Missing the background check for key principal, (redacted). | Approved D |
| (redacted) | 304856536 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304789472 (redacted) | 1146571 | 10/23/2025 | Credit | Missing Required Fraud Tool | CRED 0089 | 3 | 1 | Closed | Missing fraud report for the co-qualifying guarantor, (redacted), and the borrowing entity, (redacted). | 10/28/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantors have a combined (redacted) open mortgages satisfactorily rated (redacted).; |  | 10/28/2025 Attached fraud search did not render any results. Borrowing entity was established (redacted). Per guidelines, Borrowing Entity (if applicable) will require a full background report (unless created within (redacted) days of application). - 10/28/2025 Attached fraud search did not render any results. Borrowing entity was established 5/2025. Per guidelines, Borrowing Entity (if applicable) will require a full background report (unless created within (redacted) days of application).<br> 10/27/2025 Finding is partially cleared with the attached fraud report for the co-qualifying guarantor. -- Finding remains. Still missing the fraud report for the borrowing entity, (redacted). | Approved C |
| (redacted) | 304789472 (redacted) | 1146576 | 10/23/2025 | Credit | Missing evidence of property management experience | CRED 0039 | 3 | 2 | Acknowledged | Missing investor acknowledgement for the lender approved exception to waive the property management agreement requirement. |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantors have a combined (redacted) open mortgages satisfactorily rated (redacted).; |  | 10/31/2025 Investor Acknowledged Exception based on strong comp factors of mortgage history and DSCR.<br>10/31/2025 Escalated to investor for review. | Approved C B |
| (redacted) | 304852779 (redacted) | 1146427 | 10/23/2025 | Property | Missing Third Party Appraisal Review | APPR 0046 | 3 | 1 | Closed | Missing CDA/ARR/ARA, Field Review or second appraisal to support the valuation (redacted). A (redacted) CU was provided reflecting a score of (redacted)), only (redacted) CU scores up to (redacted) can be utilized as an appraisal review product. | 10/24/2025 | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/24/2025 Finding is cleared with the attached CDA. - 10/24/2025 Finding is cleared with the attached CDA. | Approved C |
| (redacted) | 304852779 (redacted) | 1146428 | 10/23/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing tax certificate. No tax information for the subject property is in the file, including on the title commitment. Reviewer used (redacted) monthly, (redacted) annually based on the Note. | 10/24/2025 | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 10/24/2025 Finding is cleared with the attached tax cert. - 10/24/2025 Finding is cleared with the attached tax cert. | Approved C |

---

## Exhibit 99.34

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.34**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status | Seller Name |
| 304720336 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt | (redacted) |
| 304715268 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt | (redacted) |
| 304731317 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt | (redacted) |
| 304725165 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt | (redacted) |
| 304751775 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt | (redacted) |
| 304730788 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt | (redacted) |
| 304750035 (redacted) | 3 | 2 C A B | 1 | Not Covered / Exempt | (redacted) |
| 304866982 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt | (redacted) |
| 304758207 (redacted) | 4 | 1 D C A | 3 | Not Covered / Exempt | (redacted) |
| 304818643 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt | (redacted) |
| 304766056 (redacted) | 4 | 1 D A | 3 | Not Covered / Exempt | (redacted) |
| 304823959 (redacted) | 4 | 1 D A | 3 | Not Covered / Exempt | (redacted) |
| 304856536 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt | (redacted) |
| 304789472 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt | (redacted) |
| 304852779 (redacted) | 3 | 1 C A | 3 | Not Covered / Exempt | (redacted) |

---

## Exhibit 99.35

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Type** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304720336 (redacted) | No | No (redacted) | (redacted) | -7.81% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304715268 (redacted) | No | No (redacted) | Other (redacted) | -23.30% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304731317 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| (redacted) | 304725165 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| (redacted) | 304751775 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| (redacted) | 304730788 (redacted) | No | No (redacted) |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| (redacted) | 304750035 (redacted) | No | No (redacted) |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304866982 (redacted) | No | No (redacted) |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304758207 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| (redacted) | 304818643 (redacted) | No | No (redacted) |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304766056 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| (redacted) | 304823959 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| (redacted) | 304856536 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| (redacted) | 304789472 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| (redacted) | 304852779 (redacted) | No | No (redacted) |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |

---

## Exhibit 99.36

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.36**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Loan Status | Final Overall Event Level | Final Credit Event Level | Final Compliance Event Level | Final Property Event Level | Credit Exceptions | Compliance Exceptions | Property Exceptions | Compensating Factors | Immaterial/Waived | Lender Commentary | Cleared Exceptions | Exceptions |
| 304720336 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Min Required.; Net tangible benefit - Credit report reflects (redacted) open mortgages satisfactorily rated (redacted) months.; | GIDE 0001 Guideline Exception(s) - Investor exception noted in file due to boiler and zoning of legal non-conforming on multi family > (redacted) units. - 06/03/2025 EV2/B - Exception Desk email in file, Investor has reviewed and approved this exception, file is updated w/notes. |  |  |  |
| 304715268 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves, (redacted) months reserves received in cash out proceeds per the closing statement.; |  |  | APPR 0046 Missing Third Party Appraisal Review - Missing commercial BPO or second appraisal reflecting value of (redacted). Only one appraisal is in the file which reflects a value of (redacted). Per the final approval the appraised value is (redacted), indicating there may be a second appraisal with this value that was not provided. Per guidelines, a commercial BPO or second appraisal is required. - 06/05/2025 Recd Appraisal (redacted) , Appraisal (redacted), and BPO. Appraisal (redacted) value (redacted). Appraisal (redacted) value is (redacted). BPO Value is (redacted). Approved Value of (redacted) is the Market Approach from Appraisal (redacted).<br>CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing evidence of property tax on the subject property. Per guidelines, the source must be Title policy or current real estate tax bill. No tax bill or indication of taxes on the Certification of Title in the file. Reviewer used (redacted) annually from the final application, only other source is appraisal which reflects (redacted). Final DSCR is pending this information. Review DSCR using this and documented insurance is (redacted), which does not align to the lender approval DSCR (redacted). - 06/05/2025 Finding is cleared with the attached documented tax (redacted), includes city/school/county tax. DSCR > (redacted) with insurance and tax considered.<br>|  |
| 304731317 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified housing payment history - Credit report reflects (redacted) open mortgage reporting no late payments in the most recent (redacted) months.; | CRED 0083 Asset Documentation is Insufficient - Missing operating agreement, (redacted), to confirm ownership percentage. Business funds were used to satisfy reserve requirements. Certificate of filing does not satisfactorily document ownership percentage or access and eligibility to use funds.<br>--Per guidelines, Business bank account required full Operating Agreement that details ownership of the entity and access to funds in the entity's bank/brokerage account(s). If the business account is in the name of an entity other than the borrowing entity, then the following must be true:<br>1) Access and eligibility to utilize the funds must be documented;<br>2) The percentage of funds eligible to be utilized will be tied directly to the percentage of ownership in the applicable entity.<br>- 07/09/2025 EV2/B - Investor Acknowledged Exception. Alternative documentation, Certificate of Formation, was used to evidence ownership of the non-borrowing entity for which assets were used to satisfy reserve requirements. |  | CRED 0024 Missing Proof Judgement and/or Tax Lien Paid/Released - Missing evidence of child support lien release in the amount of redacted).<br>--Per guidelines, Any Individual Judgment/Lien <= (redacted) and cumulatively up to (redacted) can remain per policy assuming they are not currently attached to title. - 06/27/2025 Recd release of notice of child support lien.<br>|  |
| 304725165 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Established credit history - Open, active credit dates back to (redacted) with no reported lates.; |  |  | TITL 0014 Title Policy - Schedule B Exception - Missing evidence of the release of lien for the (redacted) mortgage on the title commitment, (redacted). - 09/12/2025 Received attestation from title company: The lien of (redacted) was paid on a previous closing we completed on (redacted) file (redacted). Finding cleared.<br>CRED 0022 Cashout Exceeds Guidelines - Missing verification the lien being paid off is associated with the subject property. It does not appear on the title commitment. Per the VOM, the original balance was (redacted). The title commitment for the simultaneous loan (redacted) reflects an existing mortgage originally for (redacted) and the VOM for that loan reflects an original balance of (redacted). The two original balances(redacted) which does not match the lien amount. Unable to reconcile that the two mortgages being paid off for these two transactions clear the lien on title, and that the lien is also associated with this property. <br>If the lien being paid off on the subject is considered in the cash out due to not being recorded against the subject, then cash out is (redacted) which exceeds the (redacted) maximum. - 09/12/2025 Attestation from title company provided: Regarding the lien for (redacted), we paid off between (redacted) that is very close to the lien amount. Finding cleared.<br>GIDE 0001 Guideline Exception(s) - Missing approval of the subject. The property was listed for sale on (redacted), then listed again on (redacted) until removed prior to closing. The total days on the market was (redacted) days. Per guidelines, if the property was listed for sale for > (redacted) days then Credit Policy must approve the loan and may reduce the applicable leverage. - 07/09/2025 Agree, listing price > appraisal value, thus reduction of leverage is not applicable.<br>|  |
| 304751775 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report reflects (redacted) open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle credit score (redacted) > (redacted) Minimum Required.; |  |  | CRED 0039 Missing evidence of property management experience - Missing property tack record to document > (redacted) months experienced property investor. Borrower acquired the subject property within the past (redacted) months. Borrower does not qualify as first time investor. - 09/17/2025 Recd screen print reflecting borrowing entity (redacted) ownership of (redacted). The title is held in the name of the (redacted). The (redacted) was established to invest and manage real estate as per the operating agreement in file. Properties are managed by a property malmanagement company, as per subject lease in file. The property was acquired (redacted), thus documenting (redacted) months property management experience.<br>|  |
| 304730788 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  |  |  |
| 304750035 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; | COND 0010 Missing Lender Project Condo Classification - Missing lender warrantable / non-warrantable project designation. Project appears to be non-warrantable due to HOA's Right of First Refusal. Non-Warrantable condos are ineligible. - 10/07/2025 EV2/B - Finding downgraded with lender's project approval and the subordination agreement executed by the HOA to address first right of refusal. |  | CRED 0093 Credit Documentation is Insufficient - Missing CD / Settlement Statement for concurrent refinance of (redacted). - 09/02/2025 Recd final CD for concurrent refinance.<br>FRAUD 0001 Fraud report alerts have not been addressed - Fraud report reflects an existing loan dated (redacted) in the amount of (redacted) on (redacted) and subject, (redacted). Borrower is a (redacted) that develops (redacted). Missing confirmation that there are no existing unrecorded cross collateralized loans; Per guidelines, (redacted) on all owned real estate. - 09/12/2025 Refer CRED 0011 - Finding is cleared with the attached borrower LOE confirming prior cross collateralized loan was paid in full, which explains the loan reporting on the fraud report with title commitment reflecting no existing liens.<br>NOTE 0006 Missing Subordination Agreement - Missing subordination agreement for existing HOA Deed of Trust. Title commitment does not reflect subordination agreement is required. DOT contains right of first refusal. (redacted) requires Right of First Refusal to not impede the first lien holder. Lender's closing instruction were not in file. - 10/02/2025 Recd subordination agreement.<br>CR 0011 Missing Evidence of Ownership of Free and Clear Property - Missing property reports to evidence the following properties are owned free & clear: <br> (redacted)<br>Letter of explanation from borrower does not satisfactorily document free & clear ownership; Per guidelines, (redacted) on all owned real estate. - 09/10/2025 Finding is cleared with the attached borrower LOE confirming prior cross collateralized loan was paid in full, which explains the loan reporting on the fraud report with title commitment reflecting no existing liens.<br>CRED 0001 Unacceptable Mortgage History - Credit report reflects (redacted) on (redacted). The last late date is not reporting. Missing is verification of (redacted); Per guidelines, (redacted) on all owned real estate. - 09/10/2025 Finding is cleared with the attached credit supplement confirming last (redacted) days late > (redacted) months.<br>|  |
| 304866982 (redacted) | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - Credit report, (redacted), reflects (redacted) open mortgage and (redacted) open home equity loan satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; |  |  | CRED 0093 Credit Documentation is Insufficient - Missing (redacted) origination credit report. Only page one was provided in file. - 10/27/2025 Finding is cleared with the attached copy of the co-borrowing guarantors credit report.<br>|  |
| 304758207 (redacted) | Approved | 1 | 1 | 1 | 1 |  |  |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; |  |  | APP 0001 Missing Final 1003 Application - Missing final application executed by the borrower at closing. The loan application should include entity and guarantor information. -- Per guidelines, To apply for either Borrower or Guarantor approval, each prospective borrower/guarantor must complete a corresponding application in its entirety as well as submit the required information/documentation. - 10/17/2025 Received Business Purpose part of the application.<br>CRED 0116 Loan has a reserve requirement and no assets entered - Missing the final settlement statement to confirm cash to borrower received at closing. There are no documented assets in file. Cash out proceeds are needed to satisfy the (redacted) month reserve requirement. - 10/17/2025 Finding is cleared with the attached copy of the executed settlement statement.<br>APPR 0022 Missing Estimated Replacement Cost New for Property - Missing insurers replacement cost estimate. Email in file indicates that the RCE was attached, but the copy is not in file. - 10/17/2025 Received the replacement cost estimate. Coverage is sufficient to cover (redacted) of the replacement cost.<br>HUD 0001 Missing Final HUD-1 - Missing the final Settlement Statement. No Settlement statement was provided in file. Settlement statement is required to confirm cash received at closing, and that the hazard insurance premium and delinquent property taxes were paid at closing. - 10/17/2025 Finding is cleared with the attached paid receipt, payment date (redacted) for (redacted).<br>CR 0001 Missing Credit Report - Missing the origination credit report. Mortgage payment history and liabilities have not yet been evaluated. - 10/17/2025 Received a copy of the origination credit report.<br>CRED 0143 Entity Documentation is Insufficient - Missing (redacted) Letter or (redacted) executed at closing, affidavit of non-owner occupancy, and entity certificate, (redacted). - 10/17/2025 Received a copy of the W9 form executed at closing.<br>HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing hazard insurance paid receipt for total premium of (redacted),(redacted). The loan file is missing the final settlement statement, thus unable to confirm if the premium was paid at closing. - 10/17/2025 Received the hazard insurance paid receipt.<br>APRV 0001 Missing Underwriter Loan Approval - Missing the final loan approval. - 10/17/2025 Received the final loan approval.<br>|  |
| 304818643 (redacted) | Approved | 1 | 1 | 1 | 1 |  |  |  |  |  |  | APPR 0046 Missing Third Party Appraisal Review - Missing appraisal review. File does not include (redacted) CU, (redacted) LCA, CDA/ARR, BPO, Field review or second appraisal as required per guidelines. - 10/22/2025 Desk review provided with a value of (redacted) or (redacted) variance. Finding resolved.<br>NOTE 0062 Missing personal guarantee(s). - Missing personal guaranty from (redacted), (redacted) owner of the borrowing entity, noted as a guarantor on the most recent approval. - 10/22/2025 Finding is cleared with the attached final loan approval reflecting (redacted) as non-qualifying guarantor.<br>LEAS 0001 Missing Lease Agreement and/or Not Executed - Missing the Lease Agreement for (redacted). Per the appraisal all four units are rented, but only three leases were provided. - 10/22/2025 Finding is cleared with the attached executed lease agreement.<br>APP 0002 Final 1003 Application is Incomplete - Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. Additionally, the home address listed (redacted) is noted on the Track Record as an investment. The initial application reflects (redacted) as the guarantor's home address. - 10/22/2025 Finding is cleared with the attached Business Purpose Borrower Application that was executed at closing.<br>CRED 0016 Insufficient Verified Funds to Close - Insufficient funds for closing and reserves by (redacted). Per the final HUD, cash to close is (redacted). (redacted) months reserves required, or (redacted). Total funds required (redacted). (redacted) verified in the new (redacted) account. (redacted) does not reflect the borrower's name as an owner. (redacted) is in the name of (redacted), no documentation for this entity or to verify the borrower is an owner/authorized signer. - 10/22/2025 Finding is cleared with the attached operating agreement, (redacted), to evidence borrower is (redacted) owner, thus allowing use of documented business funds. Business funds are sufficient to cover cash to close, thus individual funds can be used to satisfy the reserve requirements as the investor overlay does not allow use of business funds to satisfy reserve requirements.<br>CRED 0002 Missing Mortgage History - Missing the mortgage payment history for the subject property mortgage being refinanced. - 10/22/2025 Finding is cleared with the attached credit statement confirming (redacted).<br>|  |
| 304766056 (redacted) | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified credit history - FICO (redacted), minimum required (redacted).; |  |  | HAZ 0001 Missing Hazard Insurance Proof of Premium - Missing evidence the hazard insurance premium is paid in full. The evidence of insurance does not address the balance, and the mortgage being paid off was not escrowed. - 10/22/2025 Final Settlement Statement provided reflecting HOI as paid at close. Finding cleared.<br>APRV 0010 Underwriting Loan Approval is Deficient - Missing final approval. The only approval in the file is dated (redacted), only reflects conditional approval and does not match the final terms of the loan: Loan amount (redacted), appraised value (redacted). Approval reflects loan amount (redacted), appraised value 9redacted). - 10/22/2025 Final approval provided. Finding cleared.<br>CRED 0116 Loan has a reserve requirement and no assets entered - Missing evidence of sufficient funds to cover the (redacted) months reserves (redacted). Loan is indicated to be a cash out and cash out proceeds can be used, but the final HUD is not in the file to confirm sufficient proceeds to cover reserves. - Final Settlement Statement provided reflecting final cash out to borrower which meets cash to close and reserve requirements.<br>HUD 0001 Missing Final HUD-1 - Missing the final HUD/Closing statement. The only closing statement in the file is unrelated to this loan or borrower/guarantor. - 10/22/2025 Final HUD settlement statement provided. Finding cleared.<br>APP 0002 Final 1003 Application is Incomplete - Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. - 10/22/2025 Final executed Business Purpose Application provided. Finding cleared.<br>CRED 0143 Entity Documentation is Insufficient - Missing the following Entity documentation for (redacted):<br> - Operating Agreement, only the minutes from the organizational meeting are provided. They reference the Operating Agreement as exhibit B , but it was not included<br> -(redacted) or (redacted) form - the (redacted)in the file only includes the borrower's SSN, not the EIN. No evidence of an EIN in the file. The above meetings reference that the SS-4 must be completed but the form, or evidence of EIN, is not provided.<br> - Certificate of Good Standing - 10/22/2025 Entity documentation for (redacted) provided which includes Cert of Good Standing, (redacted) and Operating Agreement. Finding cleared.<br>CRED 0093 Credit Documentation is Insufficient - Missing background check for guarantor (redacted). - 10/22/2025 Background check for guarantor (redacted) provided. Finding cleared. <br>|  |
| 304823959 (redacted) | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required, borrower is receiving (redacted) months or (redacted) in cash out proceeds.; Verified credit history - FICO (redacted), minimum required (redacted).; |  |  | CRED 0143 Entity Documentation is Insufficient - Missing background check for key principal of (redacted). - 10/24/2025 EV2/B - Finding is downgraded with the attached post-consummation dated fraud report for the non-qualifying guarantor.<br>APP 0002 Final 1003 Application is Incomplete - Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. - 10/29/2025 Finding is cleared with the attached copy of the business purpose borrower application executed at closing.<br>CRED 0129 Credit Report is greater than 120 days old. - Missing updated credit report. The credit report in the file is dated (redacted), which was (redacted) days prior to the Note date (redacted). Per guidelines the credit report can not be older than (redacted) days as of the Note date. - 10/27/2025 Finding is cleared with the attached updated credit report.<br>INS 0001 Missing Sufficient Evidence of Insurance - Missing replacement cost from the insurer to verify sufficient coverage, or confirmation that the policy has guaranteed replacement cost coverage. HOI in the file does not address the settlement basis. - 10/23/2025 Finding is cleared with the attached RCE, coverage of (redacted) > (redacted) RCE.<br>LEAS 0001 Missing Lease Agreement and/or Not Executed - Missing a copy of the lease on the subject property. Per the appraisal comparable rent schedule, there is a lease in place from (redacted) for (redacted). The only lease in the file is for (redacted). - 10/22/2025 Finding is cleared with the attached current signed lease agreement.<br>|  |
| 304856536 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  | Verified housing payment history - (redacted) months of verified mortgage history paid (redacted) since (redacted).; Minimal outstanding debt - Borrowers credit reports shows minimal outstanding debt owed with balances well under high credit limits. ; |  |  |  |  |
| 304789472 (redacted) | Approved | 2 | 2 | 1 | 1 |  |  |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantors have a combined (redacted) open mortgages satisfactorily rated (redacted).; | CRED 0039 Missing evidence of property management experience - Missing investor acknowledgement for the lender approved exception to waive the property management agreement requirement. - 10/31/2025 Investor Acknowledged Exception based on strong comp factors of mortgage history and DSCR. |  | CRED 0089 Missing Required Fraud Tool - Missing fraud report for the co-qualifying guarantor, (redacted), and the borrowing entity, (redacted). - 10/28/2025 Attached fraud search did not render any results. Borrowing entity was established (redacted). Per guidelines, Borrowing Entity (if applicable) will require a full background report (unless created within (redacted) days of application).<br>|  |
| 304852779 (redacted) | Approved | 1 | 1 | 1 | 1 |  |  |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted).; |  |  | CRED 0103 Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information - Missing tax certificate. No tax information for the subject property is in the file, including on the title commitment. Reviewer used (redacted) monthly, (redacted) annually based on the Note. - 10/24/2025 Finding is cleared with the attached tax cert.<br>APPR 0046 Missing Third Party Appraisal Review - Missing CDA/ARR/ARA, Field Review or second appraisal to support the valuation (redacted). A (redacted) CU was provided reflecting a score of (redacted), only (redacted) CU scores up to (redacted) can be utilized as an appraisal review product. - 10/24/2025 Finding is cleared with the attached CDA.<br>|  |

---

## Exhibit 99.37

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.37**

**EXECUTIVE SUMMARY**

JPMMT 2025-NQM5

**Overview** 

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client").

The Review was conducted from May 2025 to October 2025 on mortgage loans (the "Loans") originated from May 2025 to October 2025. The Review consisted of 100% of the population of 27 Loans with an original loan balance of $25,828,915.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR
 Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 insurance certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and/or market rents and validation of DSCR calculation

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>[Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 statements or other alternate income documents as required by the guidelines]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing
 employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
 agreements and market rents, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 source of funds meet guidelines

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in housing payment and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

[Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loans, if applicable, for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 reviewed each mortgage loan to determine each mortgage loan's status under the
 QM and ATR rule requirements and assign a QM and ATR designation as determined by MaxDiligence.
 MaxDiligence will note as a material exception if its QM and ATR designations do not
 confirm to the originator's original QM and ATR designations. Additionally, MaxDiligence
 will note if an originator's mortgage loan designation was not provided. MaxDiligence
 shall use the following designations:]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence
 utilizes the following QM designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM
 Safe-Harbor (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM
 Rebuttal Presumption (including Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary
 QM (for all applications prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence
 utilizes the following ATR designations for applicable loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR
 Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR
 Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR
 Exempt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 order to determine the QM designation, as applicable, MaxDiligence will review each Loan
 for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use
 of any risky mortgage loan features and terms (e.g. an interest only feature or negative
 amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do
 the "points and fees" exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was
 monthly payment calculated appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did
 the creditor considered and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did
 the creditor appropriately considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For
 mortgage loan applications prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated
 in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For
 mortgage loan applications on and after October 1, 2022, for which the annual percentage
 rate does not exceed the average prime offer rate for a comparable transaction as of
 the date the interest rate is set by the amounts specified based on loan amount (adjusted
 annually on January 1 by the annual percentage change in the Consumer Price Index for
 All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position
 of the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For
 a first-lien covered transaction with a loan amount greater than or equal to $110,260
 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For
 a first-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more percentage
 points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For
 a first-lien covered transaction with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For
 a first-lien covered transaction secured by a manufactured home with a loan amount less
 than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For
 a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156
 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For
 a subordinate-lien covered transaction with a loan amount less than $66,156 (indexed
 for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon
 completion of Section 12(B) above, if a Loan is determined to be a QM loan, MaxDiligence
 will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML") as defined
 by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the Loan is HPML, then the Loan shall be designated as QM Rebuttal Presumption (Higher
 Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the Loan is not an HPML, then the Loan shall be designated as QM Safe Harbor.

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon
 completion of Section 12(B) above, for each Loan that is designated as Non-QM, MaxDiligence
 then will determine whether the mortgage loan complies with the ATR rule, in accordance
 with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence
 will evaluate the Loan for ATR compliance based on the following eight factors and will
 verify such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets: Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves, to confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan. Review Loan documentation for required
 level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment:
 Review file documentation for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans: Ensure that all concurrent Loans were included in the DTI calculation, to properly
 assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
 Obligations: Validate that the subject Loan's monthly payment calculation includes
 principle, interest, taxes, and insurance, as well as other costs related to the property
 such as homeowners' association fees, private mortgage insurance, ground rental
 fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations: Validate monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate DTI or "residual income," based upon all mortgage
 and non-mortgage obligations, calculated as a ratio of gross monthly income, based on
 documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History: Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon
 completion of Section 12(E) above, MaxDiligence will assign an ATR designation.

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review included a review of the valuation materials utilized during the origination of
 the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
 whether the appraised value is supported at or within 10% variance based on a third-party
 valuation product. If a third-party valuation product is in file but notes a variance
 above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be
 ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) reviewed
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirmed the property value and square footage of the subject property
 was bracketed by comparable properties, (c) verified that comparable properties used
 are similar in size, style, and location to the subject, and (d) checked for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 created an exception, and work with the client on the next steps which may include ordering
 of additional valuation products such as collateral desktop reviews, broker's price
 opinions, and full appraisals, if needed. If the property valuation products included
 in MaxDiligence's review result in a variance of more than 10% then the client
 was notified of such variance.

![](ex9937001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence accessed the ASC database to verify that the appraiser, and if
 applicable the appraiser's supervisor, were licensed and in good standing at the
 time the appraisal was completed.

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the initial LE and confirmed (i) the correct form was used; (ii) all sections of the
 Initial LE are completed; and (iii) the initial LE accurately reflects the information
 provided to MaxDiligence.

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

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

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

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

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

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed
 the CD and confirmed (i) the correct form was used; (ii) all sections of the CD are completed;
 and (iii) the CD accurately reflected the information provided to MaxDiligence.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) business days rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final
 CD, and confirmed that final CD fees are within the permitted tolerances. Confirmed the
 total of payments are considered accurate as defined by Regulation Z. Confirmed finance
 charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and (iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than sixty (60) days after discovery of the exception
 establishing the need for a revised CD or with respect to exception remediation measures
 for non-numerical exceptions, that a corrected CD was delivered or placed in the mail
 no later than sixty (60) days after consummation.

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17. <u>Loan Toolkit (§1026.19)</u>:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;18. <u>TILA</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9937001.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19. <u>RESPA</u>:

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;20. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) 
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) business days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of state, county and municipal laws and ordinances
 with respect to "high-cost" mortgage loans, "covered" mortgage
 loans, "higher-priced" mortgage loans, "home" mortgage loans
 or any other similarly designated mortgage loan as defined under such authorities, or
 subject to any other laws that were enacted to combat predatory lending, as may have
 been amended from time to time;

![](ex9937001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;22. <u>Exclusions</u>.
 MaxDiligence did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- Fannie Mae

- Freddie Mac

- AD Mortgage Jumbo Blue Underwriting Guidelines

- Fairway FIMC Debt Service Coverage Ratio (DSCR) Non-QM Final Eligibility Criteria

- Guaranteed Rate JP Morgan QM AUS Underwriting Guidelines

- Movement Mortgage JPM Express

- Better Mortgage JP Morgan CIB Residential Purchase Criteria

- Northpoint Bank Retail Lending Guide

- UWM Bank Statement Loan Guidelines

- UWM Prime Jumbo Overlays

![](ex9937001.jpg)

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 96.30% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;26 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

![](ex9937001.jpg)

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 6 Missing | &nbsp;&nbsp;Asset 6 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Assets - Insufficient Cash to Close or Reserves | &nbsp;&nbsp;Assets - Insufficient Cash to Close or Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Gift Letter - Donor Qualification | &nbsp;&nbsp;Gift Letter - Donor Qualification | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Program Parameters - Interested Party Contributions | &nbsp;&nbsp;Program Parameters - Interested Party Contributions | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***30*** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;Income - Guideline Requirements | &nbsp;&nbsp;Income - Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Appraised Value Less than Loan Amount | &nbsp;&nbsp;Value - Appraised Value Less than Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;20 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***27*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;HighCost: APR/FEES | &nbsp;&nbsp;HighCost: APR/FEES | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;HighCost: Fees | &nbsp;&nbsp;HighCost: Fees | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Intent to Proceed is Missing or Incomplete | &nbsp;&nbsp;Intent to Proceed is Missing or Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Attorney Preference Letter | &nbsp;&nbsp;Missing Attorney Preference Letter | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Doc - Homeownership Counseling Disclosure/Incomplete | &nbsp;&nbsp;Missing Doc - Homeownership Counseling Disclosure/Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;8 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***29*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 27 Loans reviewed, 19 unique Loans (by loan count) had a total of 37 different tape discrepancies across 17 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance (by possible exceptions)** |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Primary Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Proposed Mortgage Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% |
| &nbsp;&nbsp;Secondary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |

---

![](ex9937001.jpg)

**Event Grade Definitions**

---

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

---

---

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

---

![](ex9937001.jpg)

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (desk reviews, field review or second appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.38

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304417376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-09-06 16:54 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-06 16:54 | Cleared | 1 | 1 | 3 | 2 |
| XXXXXX | 304417376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-09-06 16:55 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-06 16:55 | Cleared | 1 | 1 | 3 | 2 |
| XXXXXX | 304417376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-09-06 16:58 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Loan is subject to additional conditions pending receipt of guidelines, Matrices, and overlays. Loan closed in XXXXXX.<br>|  | Please review uploaded GL and Matrix from XXXXXX - 09/22/2025 | Documentation provided is sufficient. - 09/23/2025<br> Please review uploaded GL and Matrix from XXXXXX - 09/22/2025 |  | 2025-09-23 12:38 | Resolved | 3 | 1 | 3 | 2 |
| XXXXXX | 304417376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-09-07 16:09 | Credit | Income - Guideline Requirements | The income documents provided in the loan file did not meet guidelines. Borrower's income is being documented with 12 month Business Bank Statements. The bank statements reflect 6 NSF/Overdraft transactions. Guidelines only allow 3 NSF/Overdraft transactions. A Formal Exception was done to allow. <br>|  |  |  | The exception was approved due to a DTI >=10% lower than loan program, 5+ years credit history, and a credit score 40 points greater than minimum required. The exception was conditioned for a maximum 75% LTV. | 2025-09-09 13:56 | Waived | 2 | 2 | 3 | 2 |
| XXXXXX | 304840781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-04 13:24 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-04 13:24 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-04 13:24 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-04 13:24 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-06 16:39 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-31 18:46 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304766025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-05 16:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-05 16:14 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304766025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-05 17:12 | Compliance | Intent to Proceed is Missing or Incomplete | Could not locate the Intent to Proceed in the file. <br>|  | Please see attached - 09/10/2025<br>| Intent to Proceed provided. - 09/11/2025<br>ITP received - 09/11/2025<br>Please see attached - 09/10/2025<br>|  | 2025-09-11 15:46 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304766025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-05 17:13 | Compliance | Missing Doc - Homeownership Counseling Disclosure/Incomplete | Homeownership Counseling Disclosure is partially provided. A date is not provided on when the Homeownership Counseling was provided and there isn't any electronic tracking in the file to show it was sent. <br>|  | Please see attached - 09/11/2025 <br> Timeline is on pXXXXXX of the shipping package - 09/10/2025 | Proof of HOMEOWNERSHIP COUNSELING DISCLOSURE sent to borrower received. - 09/15/2025<br> Please see attached - 09/11/2025<br> We do not have access to this. XXXXXX of the audit file is the Sales Agreement. Please upload the Homeowner Counseling Disclosure to this finding. Thank you! - 09/11/2025<br> Timeline is on XXXXXXof the shipping package - 09/10/2025 |  | 2025-09-15 21:32 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304819359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 2 | 2025-09-24 19:44 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product, the CU score is 2.6. <br>|  | Please see attached. - 10/06/2025<br>| Received a satisfactory Appraisal Risk Review and an AVM. - 10/07/2025<br>Please see attached. - 10/06/2025<br>|  | 2025-10-07 18:17 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304819359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | VA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 2 | 2025-09-24 21:17 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-24 21:17 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304825068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-17 19:17 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-17 19:17 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304825068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-17 22:48 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Loan underwritten to DU. UCDP report returned a CU score of 2.6 which exceeds the maximum allowed score of 2.5. Please provide a valid 3rd party valuation review. <br>|  | Please see attached. - 09/19/2025<br>| Desk review with Reasonable risk rating received. Condition resolved. - 09/22/2025<br>Please see attached. - 09/19/2025<br>|  | 2025-09-22 22:30 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304825068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-17 23:09 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-17 23:09 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304840811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-13 18:00 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product, the CU in file has a score that exceeds 2.5. <br>|  | Please see attached. All requirements for 2nd valuation were removed from #XXXXXX - 10/22/2025 <br> This condition should be waived as both guidelines and investors didn't require any secondary valuation on XXXXXX files at a time of application or UW review. <br> It changed XXXXXX and officially yesterday with updated guidelines. - 10/17/2025 | Please see attached. All requirements for 2nd valuation were removed from #XXXXXX - 10/22/2025<br> Please provide new/updated guide with this information. - 10/22/2025<br> This condition should be waived as both guidelines and investors didn't require any secondary valuation on XXXXXX files at a time of application or UW review. <br> It changed XXXXXX and officially yesterday with updated guidelines. - 10/17/2025 |  | 2025-10-23 13:56 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304840811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-13 18:05 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard coverage amount is less than the subject lien loan amount. <br>|  | It has 100% replacement cost - 10/16/2025<br>| Coverage Amount - Hazard Insurance of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX - 10/22/2025<br> It has 100% replacement cost - 10/16/2025 |  | 2025-10-22 15:33 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304840811 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-13 22:16 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-13 22:16 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304858384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-23 11:34 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-23 11:34 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304858384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-23 11:35 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-23 11:35 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304858384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-23 20:07 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-23 20:07 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304814855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 4 | 2025-09-04 23:56 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject to additional conditions due to eligibility matrices not included. <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 23:29 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304814855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 4 | 2025-09-04 23:56 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-04 23:56 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304814855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 4 | 2025-09-05 01:42 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-05 01:42 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304814855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 4 | 2025-09-05 17:02 | Credit | Missing Property Tax Cert | Missing property tax cert. Missing documentation to validate $XXXXXX annual tax per final 1008 <br>|  | 9/12 XXXXXX: Per guideline requirements, 1.5% of the appraised value was estimated since the property is new construction. - 09/12/2025 | calculation meet requirements - 09/15/2025<br>property tax cert provided - 09/15/2025<br>9/12 tm: Per guideline requirements, 1.5% of the appraised value was estimated since the property is new construction. - 09/12/2025<br>|  | 2025-09-15 14:19 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304750533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-08-30 12:13 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-30 12:13 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304750533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-06 06:03 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide Eligibility Matrices referenced on the XXXXXX, subject to additional conditions  |  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 19:31 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304750533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MD | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-08 13:32 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-08 13:32 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304816321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 4 | 2025-09-05 04:45 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-05 04:45 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304816321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 4 | 2025-09-05 14:00 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-05 14:00 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304816321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 4 | 2025-09-06 01:47 | Credit | Gift Letter - Donor Qualification | The gift donor does not qualify under the terms of the applicable guidelines. There is a gift of $XXXXXX that was used in the approval. Per guidelines the following is required: Signed gift letter is provided; Evidence of transfer of funds such as cancelled check or evidence of wire transfer from donor to Borrower; and Evidence of the donor's ability to provide funds, with 60 days' sourcing and seasoning. The gift letter and transfer is in the loan file, but the evidence of the donor's ability to provide the funds is missing from the loan file. <br>|  | 10/17 TT: please see attached showing XXXXXX agreed to updated guidelines in regards to the gift donors and what is required. - 10/17/2025 <br> 9/25 TT: The intent is to reasonably determine that the donor has sufficient funds for the gift, which does not necessarily require 60 days of seasoning. The donor proved their ability to provide the gift when they sent the funds directly to title and this was confirmed with the wire receipt - 09/25/2025 <br> 9/11 TT: please see attached, showing the donor gave the gift funds. This shows donor's ability to give the gift. - 09/11/2025 | Updated guidelines have been received - 10/22/2025<br> 10/17XXXXXX: please see attached showing XXXXXX agreed to updated guidelines in regards to the gift donors and what is required. - 10/17/2025<br> Per XXXXXX of the guidelines, Gift funds may be used toward the down payment or to cover closing costs, provided specific requirements are met. A signed gift letter must be obtained, which includes the donor's relationship to the borrower (donor must be a relative), the donor's address and phone number, the exact dollar amount of the gift, and certification that the funds are an outright gift with no expectation of repayment. In addition, documentation must evidence the donor's ability to provide the funds, including 60 days of sourcing and seasoning. Proof of the transfer is also required, such as a cancelled check or evidence of a wire transfer from the donor to the borrower, along with a bank statement or other documentation from the receiving depository institution confirming receipt of the funds. Please provide documentation of the 60 days of sourcing and seasoning or a formal exception. - 09/29/2025<br> 9/25 TT: The intent is to reasonably determine that the donor has sufficient funds for the gift, which does not necessarily require 60 days of seasoning. The donor proved their ability to provide the gift when they sent the funds directly to title and this was confirmed with the wire receipt - 09/25/2025<br> The gift letter and transfer is in the loan file, but the evidence of the donor's ability to provide the funds is missing from the loan file. - 09/16/2025<br> 9/11 TT: please see attached, showing the donor gave the gift funds. This shows donor's ability to give the gift. - 09/11/2025 |  | 2025-10-22 14:53 | Resolved | 2 | 1 | 3 | 1 |
| XXXXXX | 304816321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | UT | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 4 | 2025-09-06 02:04 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Please provide the mortgage statement for the property located at XXXXXX for $XXXXXX/month. <br>|  | 9/24XXXXXX: My apologies, as I attached the wrong document to this. I am attaching the document that I originally meant to attach to this one. - 09/24/2025 <br> 9/19 XXXXXX: please see attached - 09/19/2025 | The mortgage statement has been received. - 09/27/2025<br> 9/24 TT: My apologies, as I attached the wrong document to this. I am attaching the document that I originally meant to attach to this one. - 09/24/2025<br> A wire was received, but the mortgage statement for the property located at XXXXXX for $XXXXXX/month is still missing. - 09/23/2025<br> 9/19 TT: please see attached - 09/19/2025 |  | 2025-09-27 05:19 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 5 | 2025-08-31 11:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-31 11:39 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 5 | 2025-09-06 05:55 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide Eligibility Matrices referenced on the XXXXXX, subject to additional conditions  |  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-12-02 00:17 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 5 | 2025-09-06 16:53 | Compliance | HighCost: Fees | The loan fees ($XXXXXX) exceed the (GA2014) High Cost fee limit, which is ($XXXXXX), the difference is ($XXXXXX).  |  | LL 10/6 Seller Credits cover the Discount charge and the Underwriting fee. Please see the attached Itemization of Credits. - 10/06/2025<br>| Confirmed loan is not High Cost. System failed to exclude bona fide discount points. Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. Discount points paid of (1.711%) (Loan Discount Amount of (XXXXXX). PAR rate 7.07, APOR 6.75, note rate 7.75 - 10/13/2025<br> LL 10/6 Seller Credits cover the Discount charge and the Underwriting fee. Please see the attached Itemization of Credits. - 10/06/2025 |  | 2025-10-13 21:20 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 5 | 2025-09-06 16:53 | Compliance | HighCost: APR/FEES | The loan fees ($XXXXXX) exceed the (FED2014) (Note Amount >=$XXXXXX) fee limit, which is 5% of the Total Loan Amount ($XXXXXX), the difference is ($XXXXXX). (12 CFR 1026.32).  |  | LL 10/6 Seller Credits cover the Discount charge and the Underwriting fee. Please see the attached Itemization of Credits. - 10/06/2025<br>| LL 10/6 Seller Credits cover the Discount charge and the Underwriting fee. Please see the attached Itemization of Credits. - 10/06/2025<br>| Confirmed loan is not High Cost. System failed to exclude bona fide discount points. Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. Discount points paid of (1.711%) (Loan Discount Amount of (XXXXXX). PAR rate 7.07, APOR 6.75, note rate 7.75 | 2025-10-13 21:19 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | GA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 5 | 2025-09-08 16:07 | Compliance | Missing Attorney Preference Letter | Right To Choose Attorney or Attorney Preference not in file. GA Right to Choose Attorney Disclosure is missing <br>|  | LL 10/7 This is a Bank Statement loan and the GA Right to Choose Attorney Disclosure is not required. - 10/07/2025<br>| Disclosure not required. - 10/13/2025<br>LL 10/7 This is a Bank Statement loan and the GA Right to Choose Attorney Disclosure is not required. - 10/07/2025<br>|  | 2025-10-13 20:40 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304841683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | DC | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-07 13:18 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-07 13:18 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304841683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | DC | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-07 13:18 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-07 13:18 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304841683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | DC | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-13 12:54 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-13 12:54 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-07 11:29 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Fraud alert for; Appraiser Trainee & Appraiser 2 Potential Conflict of Interest - Two Review entire loan file and or more parties have similar examine for potential non-arms <br> names on the loan. length transaction. Remains uncleared <br>|  | updated fraud report - 10/14/2025<br>| Received updated XXXXXXreport which shows alerts cleared. - 10/21/2025<br> All Fraud Report Alerts have been cleared or None Exist - 10/21/2025<br> updated fraud report - 10/14/2025 |  | 2025-10-21 20:54 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304840474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-07 11:30 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-07 11:30 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304840474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-13 12:05 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-13 12:05 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304819406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-03 10:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-03 10:28 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304819406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-03 18:08 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-03 18:08 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304819406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-03 19:55 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-03 19:55 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304749706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MS | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-03 12:48 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  | 9/22 MM: Please confirm if anything is required for the Due Diligence review - 09/22/2025 <br>9/16 MM: Please confirm if anything is required for the Due Diligence review - 09/16/2025<br>| 9/22 MM: Please confirm if anything is required for the Due Diligence review - 09/22/2025<br>9/16 MM: Please confirm if anything is required for the Due Diligence review - 09/16/2025<br>|  | 2025-09-22 16:15 | Ready for Review | 1 | 1 | 3 | 1 |
| XXXXXX | 304749706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MS | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-03 12:48 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-03 12:48 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304749706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MS | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-04 14:25 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing Matrix, subject to additional conditions <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 18:41 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 4 | 2025-08-30 16:38 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-30 16:38 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304768205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 4 | 2025-08-30 16:39 | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. <br>|  | 9/12 MM: It is not an investor requirement to provide the income worksheet. Investor has required month of bank statements to calculate the income. - 09/12/2025<br>| Received explanation. Income based on bank statements was able to be derived and supported qualifying income. - 09/15/2025<br>9/12 MM: It is not an investor requirement to provide the income worksheet. Investor has required month of bank statements to calculate the income. - 09/12/2025<br>|  | 2025-09-15 19:10 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304768205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 4 | 2025-09-03 18:11 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-03 18:11 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304768205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 4 | 2025-09-04 20:14 | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject to additional conditions. Missing Product matrices forXXXXXX <br>|  |  | Guidelines provided are sufficient. - 09/11/2025<br>|  | 2025-09-11 20:56 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304721858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-30 14:43 | Credit | Asset 6 Missing | Asset documentation is missing from the file. Unable to locate the Final CD for the borrowers vacating property to verify the net proceeds in the amount of $XXXXXX<br>|  | Please see attached - 10/22/2025 <br>Please see attached - 10/14/2025<br>| Per closing statement, net proceeds to borrower after expenses is $XXXXXX. Meets assets/reserves required. - 10/23/2025<br> Asset 6 Provided Or Not Applicable - 10/23/2025<br> Please see attached - 10/22/2025<br> The Final CD for the departure property XXXXXX is still missing. The PITIA for the departure was excluded from the transaction based on the sale the property. Net proceeds are listed as an asset used the final transaction. Provide the Final CD or settlement statement for the departure to verify net proceeds and property was sold. - 10/15/2025<br> Please see attached - 10/14/2025 |  | 2025-10-23 20:49 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304721858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-30 15:01 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-30 15:01 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304721858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-01 17:49 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-01 17:49 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304777982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-09-09 00:51 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-09 00:51 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304777982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-09-09 13:25 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. The loan is XXXXXX approved, but the Collateral Underwriter Risk Score is 4, which is outside of the guideline requirement of 2.5 or less. Please provide a valid 3rd party valuation review product. <br>|  | CDA - 09/17/2025<br>| CDA - 09/17/2025<br>|  | 2025-09-19 01:52 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304777982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | FL | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-09-09 13:32 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-09 13:32 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304779588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MN | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-09-11 02:10 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-11 02:10 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304779588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MN | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-09-11 15:58 | Credit | Program Parameters - Interested Party Contributions | The interested party contributions exceed allowable guidelines and cause the recalculated LTV to increase above program maximum allowed. The maximum allowed interested party contributions (IPC) for this investment property is 2.00% ($XXXXXX). The final closing disclosure showed the borrower received $XXXXXX in IPC, which is 2.01% of the sales price. If the sales price is reduced by the $XXXXXX overage, the resulting LTV is 80.01%. Please provide documentation to resolve this excessive IPC guideline issue. <br>|  | Please see attached updated AUS reflecting the original loan amount as well as the reduced sales price. The AUS evidences an 80.00% LTV with no requirements for mortgage insurance. Since the AUS evidences 80.00%, please clear this suspense. - 09/29/2025 <br>Please see the attached revised AUS lowering the sales price. The LTV is still below 80%. - 09/19/2025<br>| Updated LP accepted LTV rounded to 80%. - 09/29/2025<br> Please see attached updated AUS reflecting the original loan amount as well as the reduced sales price. The AUS evidences an 80.00% LTV with no requirements for mortgage insurance. Since the AUS evidences 80.00%, please clear this suspense. - 09/29/2025<br> The updated LP reduced the purchase price to $XXXXXX, however it appears the loan amount is incorrect. Per the Note in the file the final loan amount is $XXXXXX, resulting in an LTV of 80.01%. - 09/22/2025<br> Please see the attached revised AUS lowering the sales price. The LTV is still below 80%. - 09/19/2025 |  | 2025-09-29 12:52 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304779588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | MN | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-09-11 15:59 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. The XXXXXX in the file reflects a score greater than 2.5. Please provide an additional valuation to support the appraised value. <br>|  | AVM - 09/18/2025<br>| Documentation provided is sufficient. - 09/18/2025<br>AVM - 09/18/2025<br>|  | 2025-09-18 17:28 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304840816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-06 16:36 | Property | Value - Appraised Value Less than Loan Amount | The subject appraised value is less than the loan amount. <br>|  |  |  |  | 2025-10-06 16:36 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-06 16:36 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-06 16:36 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CO | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-06 17:28 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-06 17:28 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304839095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-09-25 10:14 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-25 10:14 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304839095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-09-25 10:14 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-25 10:14 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304839095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-09-25 10:14 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-25 10:14 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304789473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-09-01 17:03 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-01 17:03 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304789473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-09-01 17:04 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-01 17:04 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304789473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | NC | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-09-04 12:10 | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. No business purpose or occupancy affidavit in file <br>|  | occupancy cert - 09/05/2025<br>| documentation meet requirements - 09/05/2025<br>occupancy cert - 09/05/2025<br>|  | 2025-09-05 16:07 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304700164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AR | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-05-21 14:57 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-05-21 14:57 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304700164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AR | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-05-21 14:57 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-05-21 14:57 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304700164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | AR | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-05-21 19:46 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-05-21 19:46 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304717228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-06-15 13:26 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-06-15 13:26 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304717228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-06-15 13:26 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-06-15 13:26 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304717228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | WV | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-06-15 13:27 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-06-15 13:27 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304777471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 4 | 2025-09-03 15:30 | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXXXX' are less than $0. The borrower is short on cash reserves. The 1003 reflects two XXXXXX retirement accounts with a combined balance of $XXXXXX; however, no supporting XXXXXX account statements were included in the loan file. Verified assets total $XXXXXX, while the required cash to close is $XXXXXX, leaving the borrower short by $XXXXXX. <br>|  | XXXXXX statements - 09/17/2025 | Total Cash reserves are greater than $0. - 09/19/2025<br> XXXXXX statements - 09/17/2025 |  | 2025-09-19 01:50 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304777471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 4 | 2025-09-03 15:30 | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$XXXXXX', are less than $0. The borrower is short on cash reserves. The 1003 reflects two XXXXXX retirement accounts with a combined balance of $XXXXXX; however, no supporting XXXXXX account statements were included in the loan file. Verified assets total $XXXXXX, while the required cash to close is $XXXXXX and $XXXXXX, leaving the borrower short by $XXXXXX. <br>|  | XXXXXX statements - 09/17/2025 | Liquid Funds Post-Close are greater than or equal to $0. - 09/19/2025<br> XXXXXX statements - 09/17/2025 |  | 2025-09-19 01:50 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304777471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 4 | 2025-09-03 15:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-03 15:39 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304777471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | OK | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 4 | 2025-09-03 19:16 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-09-03 19:16 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304846232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-10-02 09:43 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-02 09:43 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304846232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-10-02 09:43 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-02 09:44 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304846232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | IL | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-10-02 16:58 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-02 16:58 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2025-09-30 15:08 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-30 15:08 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2025-09-30 21:12 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-30 21:12 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304840170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | CA | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2025-09-30 21:15 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-09-30 21:15 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.39

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.39**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](ex9939001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | JPMMT 2025-NQM5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | JPMMT 2025-NQM5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 12/01/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| XXXXXX | 304417376 | XXXXXX | XXXXXX | XXXXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A |
| XXXXXX | 304840781 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304766025 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXXXX | 304819359 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXXXX | 304825068 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXXXX | 304840811 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXXXX | 304858384 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304814855 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304750533 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304816321 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A |
| XXXXXX | 304841683 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304840474 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304819406 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304749706 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304768205 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304721858 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304777982 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXXXX | 304779588 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXXXX | 304840816 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304839095 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304789473 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304700164 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304717228 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304777471 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXXXX | 304846232 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXXXX | 304840170 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.40

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.40**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | 304417376 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXXXX |
| XXXXXX | XXXXXX | 304840781 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0133 | Loan Collateral Advisor (LCA) |  |  |  |  | XXXXXX | XXXXXX | .0133 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXXXX | Not Eligible |  |  |
| XXXXXX | XXXXXX | 304766025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXXXX |
| XXXXXX | XXXXXX | 304819359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 78.0 | 78.0 | XXXXXX | XXXXXX | -.0139 | AVM |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0139 | 90.0 | 0.1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | -.0228 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304825068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304840811 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 46.9 | 46.9 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXXXX |
| XXXXXX | XXXXXX | 304858384 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 35.71 | 35.71 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0863 | 93.0 | 0.07 |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| XXXXXX | XXXXXX | 304814855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXXXX |
| XXXXXX | XXXXXX | 304750533 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 85.0 | 85.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXXXX | Eligible | 2.5 | XXXXXX |
| XXXXXX | XXXXXX | 304816321 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 64.14 | 64.14 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304769723 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX | Eligible | 1.7 | XXXXXX |
| XXXXXX | XXXXXX | 304841683 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXXXX |
| XXXXXX | XXXXXX | 304840474 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 74.42 | 74.42 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304819406 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 75.0 | 75.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXXXX | XXXXXX | .0429 | XXXXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXXXX |
| XXXXXX | XXXXXX | 304749706 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 38.0 | 38.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXXXX |
| XXXXXX | XXXXXX | 304768205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 50.0 | 50.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXXXX |
| XXXXXX | XXXXXX | 304721858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 49.52 | 49.52 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXXXX |
| XXXXXX | XXXXXX | 304777982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | -.0286 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0286 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304779588 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.01 | 80.01 | XXXXXX | XXXXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -.0127 | 98.0 | 0.02 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXXXX | Not Eligible |  |  |
| XXXXXX | XXXXXX | 304840816 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXXXX |
| XXXXXX | XXXXXX | 304839095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |
| XXXXXX | XXXXXX | 304789473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304700164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX | XXXXXX | 304717228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXXXX |
| XXXXXX | XXXXXX | 304777471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304846232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXXXX |
| XXXXXX | XXXXXX | 304840170 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | 80.0 | 80.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 |  |  | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.41

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.41**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | 304417376 | Borrower 1 Citizen | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840781 | Secondary Appraised Property Value | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840781 | Primary Appraisal Date | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840781 | Primary Appraised Property Value | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840781 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304819359 | Proposed Mortgage Insurance | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304819359 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304825068 | Borrower 1 FTHB | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840811 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840811 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840811 | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840811 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304858384 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304858384 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304816321 | Borrower 1 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304816321 | Borrower 2 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304769723 | Borrower 2 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304841683 | Property County | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840474 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840474 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304749706 | Borrower 1 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304768205 | Borrower 1 Self-Employment Flag | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304721858 | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304721858 | Property Address | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304721858 | Qualifying LTV | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304779588 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840816 | Property Address | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840816 | Qualifying FICO | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840816 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304700164 | Loan Type | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304777471 | Loan Type | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304777471 | Total Monthly Property Insurance Amount | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304777471 | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304846232 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840170 | Borrower 1 FTHB | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840170 | Qualifying FICO | XXXXXX | XXXXXX | XXXXXX |
| XXXXXX | XXXXXX | 304840170 | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.42

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.42**

![](ex9942001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between January 28, 2025 and October 16, 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 59 Non-QM loans and 68 ATR-QM exempt loans for a total of 127 loans (the "Final Securitization Population").

*<u>Credit Reviews (127):</u>*

During the Review, Selene performed a credit review on 127 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (127)</u>*

During the Review, Selene performed a compliance review on 127 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (127):</u>*

During the Review, Selene performed a property valuation review on 127 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (127):</u>*

During the Review, Selene performed a Data Integrity Review on 127 mortgage loans in the Final Securitization Population.

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 127 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Choice Non-QM Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, LoanStream Core Guide, LoanStream One Guide, CV3 Financial Services Underwriting Procedures Manual, West One Capital Residential Non-QM Program Guide, Easy Street Easy Rent DSCR Guidelines, LendSure Mortgage Corp Underwriting Guidelines, ACC Underwriting Guidelines (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

**<u>SCOPE OF REVIEW</u>**

Selene 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. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&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
 Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment**

Selene 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;• **Value Supported Analysis**

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

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

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

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

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 127 mortgage loans, (ii) a Compliance Review on 127 mortgage loans (iii) a Valuation Review on 127 mortgage loans, and (iv) a Data Integrity Review on 127 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 127 mortgage loans; 97 mortgage loans had a rating grade of A, 30 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;23.62% | &nbsp;&nbsp;A | &nbsp;&nbsp;97 | &nbsp;&nbsp;97 | &nbsp;&nbsp;97 | &nbsp;&nbsp;97 | &nbsp;&nbsp;97 | &nbsp;&nbsp;76.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.36% | &nbsp;&nbsp;B | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;30 | &nbsp;&nbsp;23.62% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;25 | &nbsp;&nbsp;19.69% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;69 | &nbsp;&nbsp;54.33% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;93.70% | &nbsp;&nbsp;A | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;84.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.30% | &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;15.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;97.64% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.36% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

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

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

![](ex9942001.jpg)

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have
been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Selene reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan
 originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence
 of the mortgage loan originator compensation agreement and/or governing policies and procedures, Selene's review was
 limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements,
 for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in
 the mortgage loan purchase agreement between the Client and seller correspondent;

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

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

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

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

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

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

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

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

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

**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the Servicing Disclosure Statement form in the mortgage loan file;

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

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

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

ix) confirm borrower received LE not later than four (4) business days prior to consummation; and

x) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

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

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

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

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

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

a) Providing
Appraisals and Other Valuations (12 C.F.R. 1002.14):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ 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.

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

*JPMMT 2025-NQM5 Executive Summary (Selene Diligence)*

## Exhibit 99.43

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.43**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304481897 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481897 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481897 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481897 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304642257 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498025 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304642321 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668498 | XXXX | Property State | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304668498 | XXXX | Margin | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304668498 | XXXX | ARM Initial Fixed Rate Period | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304668498 | XXXX | ARM Initial Interest Rate Cap | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304668498 | XXXX | ARM Subsequent Interest Rate Cap | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643904 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643904 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643806 | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304631960 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304631960 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304643835 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643835 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304643835 | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643803 | XXXX | Interest Only Flag | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643803 | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643803 | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304730971 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692822 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692822 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692825 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 304702020 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304704651 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304704651 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304704651 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304704651 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304685765 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685765 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685765 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692820 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692820 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692820 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692740 | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719862 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304719861 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709153 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304683196 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304702013 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701992 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304685754 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685754 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685754 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304685754 | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304717787 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304712940 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304712940 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709068 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304709068 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304709068 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Borrower 2 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692796 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719784 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719944 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719812 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304719812 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734508 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734508 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734266 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304735886 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735886 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735886 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304735886 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304725156 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304725149 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304726411 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304726411 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304727998 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304727998 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304727998 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304727998 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304717835 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304734506 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304736290 | XXXX | Prepayment Penalty Flag | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Loan ID | manual | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757624 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304708126 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304752346 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304752346 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304748508 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304748508 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304748508 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304732845 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304731335 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734500 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757453 | XXXX | MIN No | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730928 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757430 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757429 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304748509 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304755048 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304755048 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734524 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757427 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304757427 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757427 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734810 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757426 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757426 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304747407 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304747407 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840488 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840488 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840488 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304750530 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304750530 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757281 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757281 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304776887 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757983 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757984 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757424 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757424 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304757424 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304812764 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304812764 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304812764 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304812764 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818082 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818082 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818082 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304817611 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304817791 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304817791 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304823824 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818043 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818043 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818043 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818043 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818043 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817874 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304817874 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817874 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304817874 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818038 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818038 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818038 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818038 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818038 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304757985 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818064 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818064 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818064 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304818064 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304825250 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304825250 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825250 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825250 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304823698 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304828983 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304825257 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304789544 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844156 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844156 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844156 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844156 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304844156 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304844156 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840763 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840763 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304826834 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847021 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304847021 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840503 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840503 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845620 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304845620 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845620 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840762 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840762 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840762 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304849247 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840760 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304820200 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304820200 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304820200 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840179 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840179 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.44

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.44**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 14:04 | 2025-05-13 17:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated 1003 Provided, Resolved. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/08/2025 <br>Open-The Final 1003 is Missing Please provide updated Final 1003 showing correct/updated LO. Current one listed is not active. - Due Diligence Vendor-02/12/2025 |  | Resolved-Updated 1003 Provided, Resolved. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411106 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 14:00 | 2025-05-08 12:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Updated Deed of Trust with correct LO provided, Resolved. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2025 <br>Open-Please provide updated DOT with correct/updated LO. - Due Diligence Vendor-02/12/2025 |  | Resolved-Updated Deed of Trust with correct LO provided, Resolved. - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411082 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 13:58 | 2025-05-08 12:58 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved-Loan Originator NMLS Status is Not Active - Due Diligence Vendor-05/08/2025 <br>Resolved-LOE Provided, Resolved - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Docs have been updated - Seller-05/07/2025 <br>Open-Loan Originator NMLS Status is Not Active LO not active with LLC at time closing. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Docs have been updated - Seller-05/07/2025<br>| Resolved-Loan Originator NMLS Status is Not Active - Due Diligence Vendor-05/08/2025 <br>Resolved-LOE Provided, Resolved - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411073 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 13:58 | 2025-05-08 12:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/07/2025 <br>Open-The Note is Incomplete Please provide update Note with correct/updated LO. - Due Diligence Vendor-02/12/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411074 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 14:04 | 2025-05-08 12:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-LOE Provided, Resolved - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. At time of initial., the LO was active- See LOE-only closing docs will need updating - Seller-05/07/2025 <br>Open-The Initial 1003 is Missing Please provide updated Initial 1003 showing correct/updated LO. Current one listed is not active. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. At time of initial., the LO was active- See LOE-only closing docs will need updating - Seller-05/07/2025<br>| Resolved-LOE Provided, Resolved - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411107 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 14:06 | 2025-04-12 18:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided PC CD with updated LO. Finding resolved. - Due Diligence Vendor-04/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/11/2025 <br>Open-TRID: Missing Final Closing Disclosure Please provide updated Final CD showing correct/updated LO. Current one listed is not active. - Due Diligence Vendor-02/12/2025 |  | Resolved-Lender provided PC CD with updated LO. Finding resolved. - Due Diligence Vendor-04/13/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411125 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-02-12 14:07 | 2025-04-12 18:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender confirmed LE cannot be edited once sent therefore provided PC CD with updated LO. Finding resolved. - Due Diligence Vendor-04/13/2025 <br>Ready for Review-Document Uploaded. LE - Buyer-04/11/2025 <br>Open-Please provide updated Loan Estimates showing correct/updated LO. Current one listed is not active. - Due Diligence Vendor-02/12/2025 |  | Resolved-Lender confirmed LE cannot be edited once sent therefore provided PC CD with updated LO. Finding resolved. - Due Diligence Vendor-04/13/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3411141 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-01-30 20:57 | 2025-02-12 12:03 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Updated NMLS Provided, Resolved - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. - Seller-02/11/2025 <br> Counter-Document Uploaded. LOE date provided does not match what is listed on NMLS access. We can't determine if the LO was associated to the LO company because NMLS access states the LO left the lender on XXXX. I have provided a few screenshots below confirming LO is not with lender at time of closing. Finding countered. <br> - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. - Seller-02/05/2025 <br> Open-A relationship between XXXX (NMLS ID: XXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS Consumer Access as of XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. As per NMLS search XXXX (NMLS ID: XXXX) is working with the company (XXXX) in the year XXXX and previously he was worked in office of XXXX from XXXX. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025<br>| Resolved-Updated NMLS Provided, Resolved - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3323017 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-01-30 18:55 | 2025-02-06 00:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved as CPA Confirms that Borrower's employment is active.<br> - Due Diligence Vendor-02/06/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. - Seller-02/05/2025<br>| Resolved-Resolved as CPA Confirms that Borrower's employment is active.<br> - Due Diligence Vendor-02/06/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2025<br>| XXXX |  |  | MA | Primary Residence | Purchase | NA | 3322854 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-01-30 20:57 | 2025-01-30 21:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 630 and the Final Closing disclosure on Pg# 285 reflects escrows. Rate lock date was entered correctly see Pg.'s 665 An interior and exterior appraisal was completed for this property – see pg. 55 the appraisal disclosure was provided to the borrower(s)- see Pg#'55 and copy of the appraisal was given to the borrower see Pg# 55 for the copy of the disclosure, ECOA disclosure page no #661. The loan meets HPML guidelines." - Due Diligence Vendor-01/31/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 630 and the Final Closing disclosure on Pg# 285 reflects escrows. Rate lock date was entered correctly see Pg.'s 665 An interior and exterior appraisal was completed for this property – see pg. 55 the appraisal disclosure was provided to the borrower(s)- see Pg#'55 and copy of the appraisal was given to the borrower see Pg# 55 for the copy of the disclosure, ECOA disclosure page no #661. The loan meets HPML guidelines." - Due Diligence Vendor-01/31/2025 | XXXX |  |  | MA | Primary Residence | Purchase | NA | 3323016 | N/A | N/A |
| XXXX | XXXX |  | 304481897 | Closed | 2025-01-30 20:57 | 2025-01-30 21:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Massachusetts - Higher Priced Mortgage Loan | Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the (XXXX) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 630 and the Final Closing disclosure on Pg# 285 reflects escrows. Rate lock date was entered correctly see Pg.'s 665 An interior and exterior appraisal was completed for this property – see pg. 55 the appraisal disclosure was provided to the borrower(s)- see Pg#'55 and copy of the appraisal was given to the borrower see Pg# 55 for the copy of the disclosure, ECOA disclosure page no #661. The loan meets HPML guidelines." <br> - Due Diligence Vendor-01/31/2025 |  | Resolved-XXXX Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This first lien closed end conforming loan secured by a 1-4 primary dwelling is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the (XXXX) comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 630 and the Final Closing disclosure on Pg# 285 reflects escrows. Rate lock date was entered correctly see Pg.'s 665 An interior and exterior appraisal was completed for this property – see pg. 55 the appraisal disclosure was provided to the borrower(s)- see Pg#'55 and copy of the appraisal was given to the borrower see Pg# 55 for the copy of the disclosure, ECOA disclosure page no #661. The loan meets HPML guidelines." <br> - Due Diligence Vendor-01/31/2025 | XXXX |  |  | MA | Primary Residence | Purchase | NA | 3323015 | N/A | N/A |
| XXXX | XXXX |  | 304642321 | Closed | 2025-02-27 04:10 | 2025-03-11 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/11/2025 <br>Resolved-Lender provided updated 1008. Finding resolved. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/08/2025 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/08/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/11/2025 <br>Resolved-Lender provided updated 1008. Finding resolved. - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3490172 | N/A | N/A |
| XXXX | XXXX |  | 304642321 | Closed | 2025-02-27 06:48 | 2025-03-11 09:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/11/2025 <br>Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/08/2025 <br>Open-TRID: Missing Final Closing Disclosure Provide Complete (All the pages) of Final Closing Disclosure. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/08/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-03/11/2025 <br>Resolved-Lender provided fully executed Final CD. Finding resolved. - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3490987 | N/A | N/A |
| XXXX | XXXX |  | 304642321 | Closed | 2025-02-28 04:34 | 2025-03-10 04:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender provided Title search confirming mortgage is owned XXXX, Verified - Resolved. - Due Diligence Vendor-03/10/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. See title reflecting no lien for this property - Seller-03/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide free and clear document to verify Primary housing history. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. See title reflecting no lien for this property - Seller-03/08/2025<br>| Resolved-Lender provided Title search confirming mortgage is owned XXXX, Verified - Resolved. - Due Diligence Vendor-03/10/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/10/2025 | XXXX |  |  | FL | Investment | Purchase | NA | 3499543 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-03-05 10:35 | 2025-04-01 11:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Received corrected Note, finding resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Corrected Note attached. - Seller-03/28/2025 <br>Open-The Note is Missing Life Rate Min must be less than or equal to Min Rate at First Change - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. Corrected Note attached. - Seller-03/28/2025<br>| Resolved-Received corrected Note, finding resolved - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3534093 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-02-27 07:30 | 2025-03-10 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Meets XXXX GL's. Please Rescind. this is according to XXXX - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Ready for Review-Meets XXXX GL's. Please Rescind - Seller-03/06/2025 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of XXXX Max LTV for XXXX is XXX - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Ready for Review-Meets XXXX GL's. Please Rescind - Seller-03/06/2025 | Resolved-Meets XXXXGL's. Please Rescind. this is according to XXXX - Due Diligence Vendor-03/10/2025 | XXXX |  |  | NJ | Investment | Purchase | NA | 3491383 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-02-27 08:20 | 2025-03-10 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-the additional asset has given enough assets to cover the shortage.<br> - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Provide additional asset statements. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-the additional asset has given enough assets to cover the shortage.<br> - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3492038 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-02-27 07:07 | 2025-03-10 10:13 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Clarification received - Due Diligence Vendor-03/10/2025 <br> Open-HOA Questionnaire is Missing or Partial. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Does not apply to XXXX loans - Buyer-03/06/2025 <br> Open-HOA Questionnaire is Missing or Partial. Missing HOA Questionnaire doc. - Due Diligence Vendor-02/27/2025 |  | Resolved-Clarification received - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3491174 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-03-05 10:44 | 2025-03-10 10:12 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Document received, data acknowledged. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/06/2025 <br> Open-Loan approval lists documentation as Full Doc, documentation for 12 month P&L listed in file which would fall under XXXX - Due Diligence Vendor-03/05/2025 |  | Resolved-Document received, data acknowledged. - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3534244 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-02-27 06:54 | 2025-03-10 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Clarification received - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Does not apply to XXXX loans - Seller-03/06/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Provide Borrower 2 Gap Credit Report - Due Diligence Vendor-02/27/2025 | Ready for Review-Does not apply to XXXX loans - Seller-03/06/2025 | Resolved-Clarification received - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3491061 | N/A | N/A |
| XXXX | XXXX |  | 304668498 | Closed | 2025-02-27 06:54 | 2025-03-10 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Clarification received - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Does not apply to XXXX loans - Buyer-03/06/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit Report - Due Diligence Vendor-02/27/2025 |  | Resolved-Clarification received - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3491060 | N/A | N/A |
| XXXX | XXXX |  | 304643904 | Closed | 2025-03-12 14:55 | 2025-03-19 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-As per the clients attestation, Deed of Trust is approved. Resolved. - Due Diligence Vendor-03/19/2025 <br> Open-The Deed of Trust is Missing The Deed of Trust is an Open Deed of Trust allowing Future Advances. Requesting updated Deed of Trust. - Due Diligence Vendor-03/12/2025 |  | Resolved-As per the clients attestation, Deed of Trust is approved. Resolved. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | MO | Investment | Refinance | Cash Out - Other | 3596412 | N/A | N/A |
| XXXX | XXXX |  | 304643806 | Closed | 2025-03-18 10:04 | 2025-03-24 08:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-Final HUD-1 Document is Missing. Impounds for Homeowners Insurance XXXX however Homeowners Policy Annual Premium XXXX monthly. Sizer HOI XXX per month, XXXX XXX. Requesting Settlement Statement Impounds for Homeowners Insurance XXX per month. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 3637385 | N/A | N/A |
| XXXX | XXXX |  | 304631960 | Closed | 2025-03-17 01:56 | 2025-03-20 06:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-03/20/2025 <br> Ready for Review-The borrower is permitted to sign the final Closing Disclosure (CD) after the note date. Since this is not a refinance loan, it will have no effect or impact on the loan. The note and Deed of Trust (DOT) notary recording date aligns with the note date. - Buyer-03/19/2025 <br> Open-TRID: Missing Final Closing Disclosure Final CD is missing-Closing disclosure on page 397 is not signed, a PCCD provided on page 1323 is signed on XXXX after notary date of XXXX. - Due Diligence Vendor-03/17/2025 |  |  | XXXX |  |  | FL | Investment | Purchase | NA | 3622706 | N/A | N/A |
| XXXX | XXXX |  | 304643835 | Closed | 2025-04-11 21:31 | 2025-04-16 12:25 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Verified Date of GL. Resolved. - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded.XXXX - XXXX - Please refer to the uploaded date of the guidelines, it matches the Credit Memo and is correct. - Seller-04/15/2025 <br> Open-Provide the updated Credit Memo document, in file we have the Guideline Version XXXX4 but we don't have the guideline on that date. - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. 4/15/25 - XXXX - Please refer to the uploaded date of the guidelines, it matches the Credit Memo and is correct. - Seller-04/15/2025 | Resolved-Verified Date of GL. Resolved. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3847030 | N/A | N/A |
| XXXX | XXXX |  | 304643803 | Closed | 2025-04-17 15:03 | 2025-04-25 10:21 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit Memo provided. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-XXXX is the correct guideline version. Original data tape was incorrect. Please amend in system and review accordingly. - Seller-04/24/2025 <br> Ready for Review-Document Uploaded. XXXX- Uploaded Credit Memo with correct guideline version date - Seller-04/24/2025 <br> Counter-The attached Credit Memo has a Guideline date of XXXX. The Bid tape reflects XXXX. Requesting updated Credit Memo. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. XXX - XXXX - Uploaded corrected Credit Memo. - Seller-04/18/2025 <br> Open-The Credit Memo has a Guideline date of XXXX. The Bid tape reflects XXXX. Requesting updated Credit Memo. - Due Diligence Vendor-04/17/2025 | Ready for Review-02/04/25 is the correct guideline version. Original data tape was incorrect. Please amend in system and review accordingly. - Seller-04/24/2025 <br> Ready for Review-Document Uploaded. 4/24/25 - XXXX - Uploaded Credit Memo with correct guideline version date - Seller-04/24/2025 <br> Ready for Review-Document Uploaded. 4/18/25 - XXXX - Uploaded corrected Credit Memo. - Seller-04/18/2025 | Resolved-Updated Credit Memo provided. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 3895276 | N/A | N/A |
| XXXX | XXXX |  | 304643803 | Closed | 2025-04-17 14:59 | 2025-04-22 07:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/22/2025 <br> Resolved-Cleared Title Vesting issue as title will be vested on FInal Title using email proof - Title email indicates a Land Deed is still being cleared but the Loan has already closed with title company approval - Title company has the insurance on the loan file to ensure that their due diligence is carried out. - Due Diligence Vendor-04/22/2025 <br> Counter-The attached email confirmation of the Title Vesting also states there is a Land Deed that needs to be cleared from title. The evidence of Title being vested in the borrowers name is not in file. Requesting updated Supplemental Report or Title. - Due Diligence Vendor-04/22/2025 <br> Ready for Review-Document Uploaded. Tittle commit and title confirmation for Final Vesting to be XXXX attached and were in the initial file delivered. - Seller-04/21/2025 <br> Open-Title Document is Incomplete The Title Commitment is vested in a different name then the borrower. Requesting updated Supplemental Report or Title. - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. Tittle commit and title confirmation for Final Vesting to be XXXX attached and were in the initial file delivered. - Seller-04/21/2025 | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/22/2025 <br>Resolved-Cleared Title Vesting issue as title will be vested on FInal Title using email proof - Title email indicates a Land Deed is still being cleared but the Loan has already closed with title company approval - Title company has the insurance on the loan file to ensure that their due diligence is carried out. - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 3895263 | N/A | N/A |
| XXXX | XXXX |  | 304730971 | Closed | 2025-04-29 09:24 | 2025-04-29 09:27 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 541 and the Final Closing disclosure on page 86 reflects escrows. Rate lock date was entered correctly – see page 4564. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 635 and copy of the appraisal was given to the borrower – see page 16. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 541 and the Final Closing disclosure on page 86 reflects escrows. Rate lock date was entered correctly – see page 4564. An interior and exterior appraisal was completed for this property – see page 17, the appraisal disclosure was provided to the borrower(s)- see page 635 and copy of the appraisal was given to the borrower – see page 16. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 3992731 | N/A | N/A |
| XXXX | XXXX |  | 304730971 | Closed | 2025-04-18 07:31 | 2025-04-29 09:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Revised LE's, Initial CD, Revised CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 3899847 | N/A | N/A |
| XXXX | XXXX |  | 304692822 | Closed | 2025-04-22 18:38 | 2025-04-28 09:21 | Acknowledged | 2 - Non-Material C B | Compliance | TRID | TRID: Estimated Taxes, Insurance, & Assessments | Acknowledged-Immaterial Clerical error, acknowledged as XXXX - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Seller confirmed the closing docs are correct-our ratios are fine either way. Please waive this. - Buyer-04/25/2025 <br> Open-The Final CD, IEADS, and First Payment Notification reflect Taxes of XXXX and Hazard Insurance of XXXX for a total of XXXX/month. The Tax Estimate, p 603, reflects Total Estimated Taxes and Non-Ad Assessments of XXXX/month. The Lender utilized the higher tax figure in the Proposed Monthly Payment of XXXX on the 1008 and on the Final Loan Approval, p 301, which results in ratios of XXXX. The tax variance causes the discrepancy in the ratios. We utilized the higher tax figure based off the Tax Estimate Dated XXXX, p 603, which aligns with the Final Loan Approval and 1008 as this is the more conservative route. - Due Diligence Vendor-04/23/2025 |  | Acknowledged-Immaterial Clerical error, acknowledged as XXXX - Due Diligence Vendor-04/28/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 3932911 | Originator Post-Close | No |
| XXXX | XXXX |  | 304692822 | Closed | 2025-04-17 22:01 | 2025-04-28 08:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated 1003 provided in Findings: UPDATED 1003.PDF. Resolved. - Due Diligence Vendor-04/28/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. Our DTI is XXXX These do not have to match. Updated 1003 attached nevertheless. Please clear, thank you - Buyer-04/25/2025 <br> Open-The Final 1003 is Missing The Final 1003 on p 645 reflects income of XXXX while the 1008, Final Loan Approval- p 301, and verified income is XXXX - Due Diligence Vendor-04/18/2025 |  | Resolved-Updated 1003 provided in Findings: UPDATED 1003.PDF. Resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3897073 | N/A | N/A |
| XXXX | XXXX |  | 304692822 | Closed | 2025-04-17 21:35 | 2025-04-22 18:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __257__ and the Final Closing disclosure on Pg#'s _102___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __314___ An interior and exterior appraisal was completed for this property – see pg __10__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__96, 106, 217, 375 & 393, and copy of the appraisal was given to the borrower – see Pg#'s _167____ for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/18/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __257__ and the Final Closing disclosure on Pg#'s _102___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __314___ An interior and exterior appraisal was completed for this property – see pg __10__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__96, 106, 217, 375 & 393, and copy of the appraisal was given to the borrower – see Pg#'s _167____ for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/18/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 3897051 | N/A | N/A |
| XXXX | XXXX |  | 304692825 | Closed | 2025-05-01 16:41 | 2025-05-14 12:24 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/13/2025 <br> Open-The subject property is a PUD. Provide HOA/PUD master insurance policy as required per XXXX. - Due Diligence Vendor-05/01/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/14/2025<br>| XXXX |  | 737 FICO; 660 Min.<br> 0x30 Mtg pay history for over 60 months; Min 0x30 within the past 12 months.<br> 8.24% DTI; 50% maximum | FL | Primary Residence | Purchase | NA | 4022377 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304692825 | Closed | 2025-04-28 23:00 | 2025-05-14 03:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Required Document provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-05/14/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see attached-we could also exclude income from Star Mart and DTI would still be below XXXX. Please clear this. - Seller-05/13/2025 <br> Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements Missing Provide 10 Mo Business Bank Statements for Employer: XXXX. Statements for months XXXX in file. - Due Diligence Vendor-05/13/2025 <br> Open-Borrower 1 Business Bank Statements Missing Provide 10 Mo Business Bank Statements for Employer: XXXX. Statements for months XXXX in file. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Please see attached-we could also exclude income from XXXX and DTI would still be below XXXX. Please clear this. - Seller-05/13/2025 | Resolved-Required Document provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-05/14/2025 <br> Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-05/14/2025 | XXXX |  | 737 FICO. 660 Min.<br> 0x30 Mtg pay history for over 60 months. Min 0x30 within the past 12 months. | FL | Primary Residence | Purchase | NA | 3988191 | N/A | N/A |
| XXXX | XXXX |  | 304692825 | Closed | 2025-04-28 23:00 | 2025-05-14 03:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-05/13/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. - Seller-05/12/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE of XXXX. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-05/13/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/13/2025<br>| XXXX |  | 737 FICO. 660 Min.<br> 0x30 Mtg pay history for over 60 months. Min 0x30 within the past 12 months. | FL | Primary Residence | Purchase | NA | 3988190 | N/A | N/A |
| XXXX | XXXX |  | 304692825 | Closed | 2025-04-28 03:21 | 2025-05-01 16:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#540 and the Final Closing disclosure on Pg#'s 272, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 582. An interior and exterior appraisal was completed for this property – see pg94 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 749, and confirmation the appraisal was delivered to the borrower – see Pg#'s 774. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2025 |  | Resolved-The loan's (XXX) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#540 and the Final Closing disclosure on Pg#'s 272, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 582. An interior and exterior appraisal was completed for this property – see pg94 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 749, and confirmation the appraisal was delivered to the borrower – see Pg#'s 774. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 3976074 | N/A | N/A |
| XXXX | XXXX | 2009027746 | 304702020 | Closed | 2025-05-09 12:52 | 2025-05-19 12:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial closing disclosures were provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing from file. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-The initial closing disclosures were provided - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4098899 | N/A | N/A |
| XXXX | XXXX | 2009027746 | 304702020 | Closed | 2025-05-19 12:18 | 2025-05-19 12:24 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _308___ and the Final Closing disclosure on Pg#'s __186__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _335____ An interior and exterior appraisal was completed for this property – see pg __16__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_368__ , and copy of the appraisal was given to the borrower – see Pg#'s _339____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/19/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _308___ and the Final Closing disclosure on Pg#'s __186__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _335____ An interior and exterior appraisal was completed for this property – see pg __16__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_368__ , and copy of the appraisal was given to the borrower – see Pg#'s _339____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4181665 | N/A | N/A |
| XXXX | XXXX | 2009027746 | 304702020 | Closed | 2025-05-19 12:18 | 2025-05-19 12:21 | Resolved | 1 - Information C A | Compliance | Mavent | TX Fee Not Allowed- Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: 67) | Resolved-The fee was listed incorrectly. - Due Diligence Vendor-05/19/2025 <br> Open-Texas<br> law does not allow Doc Tax Stamps/Transfer Taxes – City/County (Fee ID: 67) to be charged to the Borrower, Seller, Originator, Lender or Other in XXXX. - Due Diligence Vendor-05/19/2025 |  | Resolved-The fee was listed incorrectly. - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4181664 | N/A | N/A |
| XXXX | XXXX | 2009027746 | 304702020 | Closed | 2025-05-19 12:18 | 2025-05-19 12:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-The COC was provided - Due Diligence Vendor-05/19/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/19/2025 |  | Resolved-The COC was provided - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4181663 | N/A | N/A |
| XXXX | XXXX | 2009027746 | 304702020 | Closed | 2025-05-09 12:54 | 2025-05-19 11:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br>Open-Evidence of Rate Lock Missing from file. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4098953 | N/A | N/A |
| XXXX | XXXX | 2009027746 | 304702020 | Closed | 2025-05-09 12:13 | 2025-05-19 03:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount. The loan amount is XXXX. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/16/2025<br>| Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/19/2025 | XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4098223 | N/A | N/A |
| XXXX | XXXX |  | 304692876 | Closed | 2025-05-13 06:02 | 2025-05-14 10:55 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Acknowledged as immaterial - Due Diligence Vendor-05/14/2025 <br>Ready for Review-On this loan we have a finding for the missing anti-steering disclosure but that is not something we as the lender provide. Can we move forward with downgrade and waiving? We have had this before. - Seller-05/14/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. - Due Diligence Vendor-05/13/2025 | Ready for Review-On this loan we have a finding for the missing anti-steering disclosure but that is not something we as the lender provide. Can we move forward with downgrade and waiving? We have had this before. - Seller-05/14/2025<br>| Acknowledged-Acknowledged as immaterial - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | IL | Second Home | Purchase | NA | 4124541 | Originator Post-Close | No |
| XXXX | XXXX |  | 304692876 | Closed | 2025-05-06 08:01 | 2025-05-14 05:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please see the attached gap credit ordered on XXXX making it valid to XXXX. - Seller-05/12/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. Please see the attached gap credit ordered on XXXX making it valid to XXXX. - Seller-05/12/2025 | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | IL | Second Home | Purchase | NA | 4055262 | N/A | N/A |
| XXXX | XXXX |  | 304692876 | Closed | 2025-05-07 07:40 | 2025-05-13 06:05 | Resolved | 1 - Information C A | Credit | Doc Issue | HEI: Missing Certificate of Homeowner Counseling | Resolved-Requested Homeowner Counseling Disclosure provided hence resolved. - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Please find attached the proof of delivery for the requested documents, submitted post-closing, as permitted under current guidelines.<br>Given this documentation has been provided, I respectfully request that the condition be downgraded and waived accordingly. - Buyer-05/12/2025 <br>Open-Provide missing Homeowner Counseling Disclosure. - Due Diligence Vendor-05/07/2025 |  | Resolved-Requested Homeowner Counseling Disclosure provided hence resolved. - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | IL | Second Home | Purchase | NA | 4068103 | N/A | N/A |
| XXXX | XXXX |  | 304692876 | Closed | 2025-05-07 07:42 | 2025-05-13 06:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/13/2025 <br>Ready for Review-Document Uploaded. Please find attached the proof of delivery for the requested documents, submitted post-closing, as permitted under current guidelines.<br>Given this documentation has been provided, I respectfully request that the condition be downgraded and waived accordingly. - Buyer-05/12/2025 <br>Open-Home Toolkit missing from the file. - Due Diligence Vendor-05/07/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | IL | Second Home | Purchase | NA | 4068130 | N/A | N/A |
| XXXX | XXXX |  | 304685765 | Closed | 2025-05-09 02:43 | 2025-05-19 06:22 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-in findings - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/15/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent To proceed Disclosure Missing In File <br> provide updated Doc - Due Diligence Vendor-05/09/2025 |  | Resolved-in findings - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 4090888 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 03:03 | 2025-06-05 04:57 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap credit Report missing, Provided Gap credit Report, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/05/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-06/04/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/10/2025 |  | Resolved-Gap credit Report missing, Provided Gap credit Report, Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/05/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104185 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 03:51 | 2025-05-28 08:04 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Right to receive appraisal disclosure provided. Loan meets HPML GLs, resolved. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Seller-05/24/2025 <br> Counter-Delivery confirmation provided. Please provide right to receive appraisal disclosure. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/19/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 799, 823 and the Final Closing disclosure on Pg#'s 646,. Rate lock date was entered correctly – see Pg#'s 823, An interior and exterior appraisal was completed for this property – see pg# 38, 47, \*\*missing appraisal disclosure and delivery confirmation the appraisal\*\*<br> - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/24/2025<br>| Resolved-Right to receive appraisal disclosure provided. Loan meets HPML GLs, resolved. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104322 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-15 13:54 | 2025-05-28 08:03 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Right to receive appraisal disclosure provided, resolved. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/24/2025 <br>Open-Missing right to receive app0raisal disclosure. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/24/2025<br>| Resolved-Right to receive appraisal disclosure provided, resolved. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4155776 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 02:40 | 2025-05-27 03:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/24/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE dated within 10 business days closing. - Due Diligence Vendor-05/10/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104115 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 03:51 | 2025-05-20 05:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC form provided and updated to TRID heafer page, Mavent is passing. Resolved. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Seller-05/19/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Failing charges that cannot increase test due to Points - Loan Discount Fee has been increased from LE (XXXX) to initial CD (XXXX). There is no evidence of reimbursement on file. Missing CIC form or to cure provide PCCD, evidence of refund, LOE and POD. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/19/2025<br>| Resolved-COC form provided and updated to TRID heafer page, XXXX is passing. Resolved. - Due Diligence Vendor-05/20/2025 | XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104321 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-15 13:31 | 2025-05-20 05:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-SPL dated within 3 bus. days of application date provided, resolved. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/19/2025 <br>Open-Missing SPL - Due Diligence Vendor-05/15/2025 |  | Resolved-SPL dated within 3 bus. days of application date provided, resolved. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4155302 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 04:06 | 2025-05-20 05:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Affiliated RESPA Business Disclosure provided, resolved. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/19/2025 <br>Open-Missing Affiliated RESPA Business Disclosure - Due Diligence Vendor-05/10/2025 |  | Resolved-Affiliated RESPA Business Disclosure provided, resolved. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104359 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 04:04 | 2025-05-20 05:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-XXXX provided and updated to disclosure page, resolved. - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/19/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-05/10/2025 |  | Resolved-XXXX provided and updated to disclosure page, resolved. - Due Diligence Vendor-05/20/2025 | XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104352 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 04:03 | 2025-05-20 05:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/19/2025 <br>Open-Missing Home loan toolkit - Due Diligence Vendor-05/10/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104348 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 04:04 | 2025-05-20 05:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/19/2025 <br>Open-Missing Homeownership Counseling Disclosure - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/19/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104349 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-15 13:28 | 2025-05-20 05:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/20/2025 <br> Ready for Review-Document Uploaded. CU Score is XXXX - Seller-05/19/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Missing CU with CU Score of XXXXor under or desk review. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. CU Score is XXXX - Seller-05/19/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4155246 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 03:31 | 2025-05-20 05:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - initial 1003 provided, resolved. - Due Diligence Vendor-05/20/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/19/2025 <br>Open-The Initial 1003 is Missing Missing Borrower and LO signature. - Due Diligence Vendor-05/10/2025 |  | Resolved-The Initial 1003 is Present - initial 1003 provided, resolved. - Due Diligence Vendor-05/20/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104261 | N/A | N/A |
| XXXX | XXXX |  | 304692820 | Closed | 2025-05-10 03:32 | 2025-05-19 04:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 with appraisal value provided. Resolved - Due Diligence Vendor-05/19/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/19/2025 <br>Open-The 1008 document is missing from the loan file. 1008 provided missing appraised value. - Due Diligence Vendor-05/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/19/2025<br>| Resolved-Updated 1008 with appraisal value provided. Resolved - Due Diligence Vendor-05/19/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 4104263 | N/A | N/A |
| XXXX | XXXX |  | 304692887 | Closed | 2025-05-13 06:16 | 2025-06-04 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Document Uploaded. The tax certificate amount listed in the title includes all property taxes plus supplemental taxes. Since the property is located in XXXX, the amount in the tax certificate folder represents only the supplemental taxes. Therefore, you will need to add the base property tax amount as shown on the title to calculate the total tax obligation. - Buyer-06/03/2025 <br> Open-Missing Evidence of Property Tax Tax amount in tax certs available at page 2159-2162 (XXXX) is not matching with the tax amount reflecting initial escrow and final CD (XXXX). - Due Diligence Vendor-05/13/2025 |  |  | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4124652 | N/A | N/A |
| XXXX | XXXX |  | 304701957 | Closed | 2025-05-15 14:45 | 2025-05-19 16:10 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-05/19/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-05/16/2025 <br> Open-The Final 1003 is Missing Missing business entity final 1003 - Due Diligence Vendor-05/15/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-05/19/2025 | XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 4156682 | Investor Post-Close | No |
| XXXX | XXXX |  | 304692740 | Closed | 2025-05-18 21:36 | 2025-05-28 08:19 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges as a 2b non-material grade. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-This disclosure, although not needed, has been accepted by you as an Anti-Steering disclosure many times in the past. - Buyer-05/27/2025 <br>Ready for Review-An Anti-Steering Disclosure is required when a licensed mortgage broker originates a loan and will be compensated by the lender. The Anti-Steering Disclosure is not required on retail loan transactions or where the consumer pays the mortgage broker's compensation. Please rescind as this condition does not apply, loan originated by the Lender, no mortgage broker involved in this transaction. - Buyer-05/23/2025 <br>Counter-The Anti Steering Disclosure was not uploaded. - Due Diligence Vendor-05/23/2025 <br>Ready for Review-Document Uploaded. Anti-Steering disclosure uploaded for review. - Buyer-05/21/2025 <br>Open-Missing Anti-Steering Disclosure in file - Due Diligence Vendor-05/19/2025 |  | Acknowledged-Client acknowledges as a 2b non-material grade. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4174684 | Originator Post-Close | No |
| XXXX | XXXX |  | 304692740 | Closed | 2025-05-15 09:14 | 2025-05-21 07:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated XXXX provided and submitted to LM. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-05/20/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing in file. Provide the initial disclosure and any applicable change of circumstances. - Due Diligence Vendor-05/15/2025 |  | Resolved-Initial CD dated XXXX provided and submitted to LM. - Due Diligence Vendor-05/21/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4150477 | N/A | N/A |
| XXXX | XXXX |  | 304692740 | Closed | 2025-05-21 07:01 | 2025-05-21 07:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML requirements and an interior appraisal was performed. - Due Diligence Vendor-05/21/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML requirements and an interior appraisal was performed. - Due Diligence Vendor-05/21/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4202194 | N/A | N/A |
| XXXX | XXXX |  | 304709104 | Closed | 2025-05-15 22:26 | 2025-05-30 05:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employed Business Narrative Provided. Resolved - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/30/2025 <br>Open-Self-Employed Business Narrative missing from file. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/30/2025<br>| Resolved-Self-Employed Business Narrative Provided. Resolved - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4159178 | N/A | N/A |
| XXXX | XXXX |  | 304709104 | Closed | 2025-05-19 22:02 | 2025-05-30 04:51 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Wire for difference of XXXX provided. Resolved - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. Wire for difference provided - Buyer-05/30/2025 <br> Open-Wire notification lists deposit for XXXX, gift letter and final closing disclosure listsXXXX, please clarify discrepancy - Due Diligence Vendor-05/20/2025 |  | Resolved-Wire for difference of XXXX provided. Resolved - Due Diligence Vendor-05/30/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4187430 | N/A | N/A |
| XXXX | XXXX |  | 304709104 | Closed | 2025-05-15 01:33 | 2025-05-28 13:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-document received, data updated - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/27/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Required COC for points and loan origination fees - Due Diligence Vendor-05/15/2025 |  | Resolved-document received, data updated - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4146941 | N/A | N/A |
| XXXX | XXXX |  | 304709104 | Closed | 2025-05-14 23:06 | 2025-05-28 05:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided.<br> - Due Diligence Vendor-05/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-05/27/2025 <br>Open-Borrower 1 Gap Credit Report is Missing from file. - Due Diligence Vendor-05/15/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-05/27/2025<br>| Resolved-Borrower 1 Gap Credit Report Provided.<br> - Due Diligence Vendor-05/28/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4146012 | N/A | N/A |
| XXXX | XXXX |  | 304709104 | Closed | 2025-05-15 22:24 | 2025-05-28 05:15 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Affiliated Business Arrangement Disclosure Statement Provided. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-05/27/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement or Privacy Disclosure is Missing from file. - Due Diligence Vendor-05/16/2025 |  | Resolved-Affiliated Business Arrangement Disclosure Statement Provided. - Due Diligence Vendor-05/28/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4159173 | N/A | N/A |
| XXXX | XXXX |  | 304709104 | Closed | 2025-05-15 01:33 | 2025-05-28 13:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 745 and the Final Closing disclosure on Pg#'s 370, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 810. An interior and exterior appraisal was completed for this property – see pg 132, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 128, and confirmation the appraisal was delivered to the borrower – see Pg#'s 496. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-05/15/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.24%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 745 and the Final Closing disclosure on Pg#'s 370, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 810. An interior and exterior appraisal was completed for this property – see pg 132, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 128, and confirmation the appraisal was delivered to the borrower – see Pg#'s 496. The loan meets HPML guidelines, resolved. <br>- Due Diligence Vendor-05/15/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4146943 | N/A | N/A |
| XXXX | XXXX |  | 304719862 | Closed | 2025-05-19 08:25 | 2025-05-23 17:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Delivery confirmation received, resolved. Loan meets HPML GLs resolved. - Due Diligence Vendor-05/23/2025 <br> Ready for Review-Document Uploaded. Appraisal Delivery uploaded for review. - Buyer-05/23/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s962 and the Final Closing disclosure on Pg#'s 630, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 1022. An interior and exterior appraisal was completed for this property – see pg# 123, 113, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1004, and confirmation the appraisal was delivered to the borrower – see Pg#'s 1165. \*\*\*Missing delivery confirmation for appraisal\*\*\* - Due Diligence Vendor-05/19/2025 |  | Resolved-Delivery confirmation received, resolved. Loan meets HPML GLs resolved. - Due Diligence Vendor-05/23/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4177585 | N/A | N/A |
| XXXX | XXXX |  | 304719861 | Closed | 2025-05-22 13:45 | 2025-05-30 09:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-CIC form and missing loan estimates provided. XXXX is passing, resolved. - Due Diligence Vendor-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/29/2025 <br> Open-Missing CIC form for increased points fee. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-CIC form and missing loan estimates provided. XXXX is passing, resolved. - Due Diligence Vendor-05/30/2025 | XXXX |  |  | NV | Primary Residence | Purchase | NA | 4219638 | N/A | N/A |
| XXXX | XXXX |  | 304719861 | Closed | 2025-05-21 22:07 | 2025-05-30 09:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Mavent is passing, resolved. - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Initial CD provided. XXXX is passing, resolved. - Due Diligence Vendor-05/30/2025 | XXXX |  |  | NV | Primary Residence | Purchase | NA | 4211138 | N/A | N/A |
| XXXX | XXXX |  | 304719861 | Closed | 2025-05-30 08:52 | 2025-05-30 09:05 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 468 and the Final Closing disclosure on Pg#'s 323, Finding reflects escrows. Rate lock date was entered correctly – see Finding - Pg#'s 2. An interior and exterior appraisal was completed for this property – see pg 18, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 532, and copy of the appraisal was given to the borrower – see Pg#'s 17 for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/30/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 468 and the Final Closing disclosure on Pg#'s 323, Finding reflects escrows. Rate lock date was entered correctly – see Finding - Pg#'s 2. An interior and exterior appraisal was completed for this property – see pg 18, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 532, and copy of the appraisal was given to the borrower – see Pg#'s 17 for delivery confirmation of the appraisal. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4283097 | N/A | N/A |
| XXXX | XXXX |  | 304719861 | Closed | 2025-05-20 23:15 | 2025-05-30 04:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 business days of closing - Due Diligence Vendor-05/21/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/30/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4200106 | N/A | N/A |
| XXXX | XXXX |  | 304719861 | Closed | 2025-05-20 23:15 | 2025-05-30 04:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-05/30/2025 <br>Resolved-Income Worksheet provided. Resolved - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. - Seller-05/23/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet is missing from file. - Due Diligence Vendor-05/22/2025 | Ready for Review-Document Uploaded. - Seller-05/23/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-05/30/2025 <br>Resolved-Income Worksheet provided. Resolved - Due Diligence Vendor-05/27/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4200107 | N/A | N/A |
| XXXX | XXXX |  | 304683196 | Closed | 2025-05-30 03:45 | 2025-06-10 14:01 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - LCA prior to close provided. Resolved. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see the attached AVM and LCA which is second valuations. - Buyer-06/09/2025 <br> Open-Second Appraisal/ Valuation is Missing Confidence score on AVM provided does not meet GL requirements. Please provide a CU or desk review. - Due Diligence Vendor-06/04/2025 |  | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - LCA prior to close provided. Resolved. - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4279547 | N/A | N/A |
| XXXX | XXXX |  | 304683196 | Closed | 2025-06-04 11:17 | 2025-06-10 11:34 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Coverage amount provided. Resolved. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Please see the attached supplement proposed that has the loan amount listed along with the sale price on the first page. Loan amount match the XXXX. - Buyer-06/09/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount Missing coverage amount from policy provided. - Due Diligence Vendor-06/04/2025 |  | Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Coverage amount provided. Resolved. - Due Diligence Vendor-06/10/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4333475 | N/A | N/A |
| XXXX | XXXX |  | 304702013 | Closed | 2025-05-30 02:16 | 2025-06-05 13:11 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender acknowledges as immaterial. - Due Diligence Vendor-06/05/2025 <br> Ready for Review-This condition is an XXXX, so we can simply acknowledge the immaterial grade. - Buyer-06/04/2025 <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Required Anti-steering Disclosure. - Due Diligence Vendor-05/30/2025 |  | Acknowledged-Lender acknowledges as immaterial. - Due Diligence Vendor-06/05/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 4278453 | Originator Post-Close | No |
| XXXX | XXXX |  | 304702013 | Closed | 2025-05-30 02:17 | 2025-06-03 14:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 1122 IEAD and the Final Closing disclosure on Pg#'s 449, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s1262, An interior and exterior appraisal was completed for this property – see pg# 116, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1880, and confirmation the appraisal was delivered to the borrower – see Pg#'s 100. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 1122 IEAD and the Final Closing disclosure on Pg#'s 449, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s1262, An interior and exterior appraisal was completed for this property – see pg# 116, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 1880, and confirmation the appraisal was delivered to the borrower – see Pg#'s 100. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/30/2025 | XXXX |  |  | CO | Primary Residence | Purchase | NA | 4278532 | N/A | N/A |
| XXXX | XXXX |  | 304701992 | Closed | 2025-06-03 03:29 | 2025-06-26 17:37 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Please see the attached exception - Buyer-06/25/2025 <br>Open-Exception pg no: 1457<br> Exception for borrower-provided transcripts is approved. Transcripts match w2s used to qualify<br> - Due Diligence Vendor-06/03/2025 |  | Waived-Exception Approved - Due Diligence Vendor-06/26/2025<br>| XXXX |  | DTI is 31.42%. Maximum allowed per guidelines is 55%.<br> Credit Score is 767. Minimum required per guidelines is 700.<br> Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X30, 12 months.<br> Residual Income is $6500. Minimum Residual Income required per guidelines is $2500.  | NJ | Primary Residence | Purchase | NA | 4309352 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304701992 | Closed | 2025-06-03 00:23 | 2025-06-26 08:20 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved. Report and LOX provided. - Due Diligence Vendor-06/26/2025 <br> Ready for Review-Document Uploaded. A reduction in finance charges is considered a benefit to the borrower and is permitted under XXXX guidelines - Buyer-06/25/2025 <br> Open-The disclosed finance charge (XXXX) is (XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge (XXX) is (XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. - Due Diligence Vendor-06/03/2025 |  | Resolved-Resolved. Report and LOX provided. - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4308804 | N/A | N/A |
| XXXX | XXXX |  | 304701992 | Closed | 2025-06-02 22:32 | 2025-06-26 06:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOR Missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/26/2025 <br>Ready for Review-Document Uploaded. Please see the attached VOM - Seller-06/25/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOR for B1/B2. - Due Diligence Vendor-06/03/2025 | Ready for Review-Document Uploaded. Please see the attached VOM - Seller-06/25/2025<br>| Resolved-VOR Missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-06/26/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4308434 | N/A | N/A |
| XXXX | XXXX |  | 304701992 | Closed | 2025-06-03 00:23 | 2025-06-03 00:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 1366 and the Final Closing disclosure on Pg# 563 reflects escrows. Rate lock date was entered correctly see Pg# 1617 An interior and exterior appraisal was completed for this property – see Page# 253 the appraisal disclosure was provided to the borrower(s)- see Pg# 251, and copy of the appraisal was given to the borrower see Pg# 253 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/03/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 1366 and the Final Closing disclosure on Pg# 563 reflects escrows. Rate lock date was entered correctly see Pg# 1617 An interior and exterior appraisal was completed for this property – see Page# 253 the appraisal disclosure was provided to the borrower(s)- see Pg# 251, and copy of the appraisal was given to the borrower see Pg# 253 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-06/03/2025 | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4308805 | N/A | N/A |
| XXXX | XXXX |  | 304685754 | Closed | 2025-05-30 12:47 | 2025-06-09 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial Business Purpose Affidavit provided in 854, Findings: BUSINESS PURPOSE AFFIDAVIT - XXXX.PDF. Resolved. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. uploaded for review - Buyer-06/09/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. The Initial Business Purpose Affidavit Disclosure is missing. - Due Diligence Vendor-05/30/2025 |  | Resolved-Initial Business Purpose Affidavit provided in 854, Findings: BUSINESS PURPOSE AFFIDAVIT - XXXX.PDF. Resolved. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 4287182 | N/A | N/A |
| XXXX | XXXX |  | 304685754 | Closed | 2025-06-03 13:29 | 2025-06-09 16:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/09/2025 <br> Resolved-Rate Lock provided in findings that reflects there is No Prepayment Penalty. Findings: XXXX XXXX.PDF. Resolved. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. No PPP - Buyer-06/06/2025 <br> Open-The Lock Confirmation provided on p 730 reflects a Prepayment Penalty Term of 3 Years however neither the Note nor the Final CD reflect that a Prepayment Penalty is applicable. The DOT/Mortgage is missing to review what it reflects. Confirm if a PPP is applicable and provide the corrected supporting documents. - Due Diligence Vendor-06/03/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/09/2025 <br> Resolved-Rate Lock provided in findings that reflects there is No Prepayment Penalty. Findings: XXXX.PDF. Resolved. - Due Diligence Vendor-06/09/2025 | XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 4318896 | N/A | N/A |
| XXXX | XXXX |  | 304685754 | Closed | 2025-05-30 12:55 | 2025-06-06 07:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of trust is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-06/06/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-06/06/2025 <br>Open-The Deed of Trust is Missing The Mortgage/Deed of Trust missing. Include any Riders and the "Exhibit A" Legal Description. - Due Diligence Vendor-05/30/2025 |  | Resolved-Deed of trust is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-06/06/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-06/06/2025<br>| XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 4287306 | N/A | N/A |
| XXXX | XXXX |  | 304685754 | Closed | 2025-06-03 13:19 | 2025-06-05 14:52 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/05/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Acknowledged; please downgrade to a Non-Material Grade 2 - Buyer-06/05/2025 <br> Open-The Final 1003 is Missing The Note is signed by a member of the LLC but the Business Entity 1003 is missing. - Due Diligence Vendor-06/03/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-06/05/2025 | XXXX |  |  | MI | Investment | Refinance | Cash Out - Other | 4318608 | Investor Post-Close | No |
| XXXX | XXXX |  | 304709112 | Closed | 2025-06-02 02:51 | 2025-06-16 06:36 | Resolved | 1 - Information C A | Compliance | Late:Amount | California - Maximum Late Fee (DRE) | Resolved-Loan is in compliance. - Due Diligence Vendor-06/16/2025 <br> Ready for Review-Document Uploaded. attached - Seller-06/13/2025 <br> Open-The (XXXX) late fee amount or (15.0%) late fee percent exceed the XXXX Real Estate Law threshold. Under the XXXX Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. (Cal. Bus. & Prof. Code 10242.5) The (XXXX) late fee amount or (15.0%) late fee percent exceed the XXXX Real Estate Law threshold. Under the XXXX Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. attached - Seller-06/13/2025<br>| Resolved-Loan is in compliance. - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4295465 | N/A | N/A |
| XXXX | XXXX |  | 304709112 | Closed | 2025-06-02 00:33 | 2025-06-16 04:14 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-As per property report, Borrower is verified to be Free & Clear, Verified - Resolved - Due Diligence Vendor-06/16/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. attached - Seller-06/13/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Prove VOR or property profile report to verify 12 months housing history - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. attached - Seller-06/13/2025<br>| Resolved-As per property report, Borrower is verified to be Free & Clear, Verified - Resolved - Due Diligence Vendor-06/16/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4295063 | N/A | N/A |
| XXXX | XXXX |  | 304709112 | Closed | 2025-06-01 23:08 | 2025-06-16 02:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Executed initial 1003 document provided. - Due Diligence Vendor-06/16/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/16/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-06/13/2025 <br>Open-The Initial 1003 is Missing The initial 1003 is available in file but not executed. Provided executed initial 1003 document. - Due Diligence Vendor-06/02/2025 |  | Resolved-Executed initial 1003 document provided. - Due Diligence Vendor-06/16/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4294841 | N/A | N/A |
| XXXX | XXXX |  | 304709112 | Closed | 2025-06-01 23:11 | 2025-06-09 02:32 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 with Fico score provided. Resolved - Due Diligence Vendor-06/09/2025 <br>Ready for Review-Document Uploaded. Please review uploaded 1008 - Seller-06/06/2025 <br>Open-The 1008 document is missing from the loan file. Provide updated 1008 with Fico score. - Due Diligence Vendor-06/02/2025 | Ready for Review-Document Uploaded. Please review uploaded 1008 - Seller-06/06/2025<br>| Resolved-1008 with Fico score provided. Resolved - Due Diligence Vendor-06/09/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4294851 | N/A | N/A |
| XXXX | XXXX |  | 304719790 | Closed | 2025-06-03 05:39 | 2025-06-11 04:50 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary valuation Is missing, Provided SSR, Changes made in system, Finding Resolved - Due Diligence Vendor-06/11/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. SSRs uploaded for review. - Buyer-06/10/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation is missing per guideline requirements, Provide a valid Secondary Valuation as per Guidelines. - Due Diligence Vendor-06/03/2025 |  | Resolved-Secondary valuation Is missing, Provided SSR, Changes made in system, Finding Resolved - Due Diligence Vendor-06/11/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/11/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4309968 | N/A | N/A |
| XXXX | XXXX |  | 304719790 | Closed | 2025-06-03 05:25 | 2025-06-10 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report Provided hence resolved.<br> - Due Diligence Vendor-06/10/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/10/2025 <br> Ready for Review-Document Uploaded. Gap Report uploaded for review. - Buyer-06/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing, provide the same. - Due Diligence Vendor-06/03/2025 |  | Resolved-Requested Gap Credit Report Provided hence resolved.<br> - Due Diligence Vendor-06/10/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/10/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4309872 | N/A | N/A |
| XXXX | XXXX |  | 304717787 | Closed | 2025-06-06 11:45 | 2025-06-11 07:42 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Lender provided Final CD with cash out less than XXXX. Condition resolved. - Due Diligence Vendor-06/11/2025 <br> Ready for Review-Document Uploaded. Less than XXXX received on Final CD - Buyer-06/10/2025 <br> Open-Cash Out is not completed according to the guideline requirements Subject loan approved as Rate and Term no cash out transaction. Per HUD-1, cashout of XXXX exceeds incidental cash back max ofX XXX for rate and term transaction. - Due Diligence Vendor-06/06/2025 |  | Resolved-Lender provided Final CD with cash out less than XXXX. Condition resolved. - Due Diligence Vendor-06/11/2025 | XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 4363979 | N/A | N/A |
| XXXX | XXXX |  | 304719826 | Closed | 2025-06-06 08:14 | 2025-06-18 01:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Date located at bottom of page shows XXXX which is within ten business days - Buyer-06/17/2025 <br> Open-VOE provided was not dated w/in 10 business days of closing. - Due Diligence Vendor-06/11/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE prior to close missing verification of business existence required with in 10 business days of closing.<br> - Due Diligence Vendor-06/06/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 4359835 | N/A | N/A |
| XXXX | XXXX |  | 304719826 | Closed | 2025-06-06 10:15 | 2025-06-11 10:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s464 and the Final Closing disclosure on Pg#'s 197, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 489. An interior and exterior appraisal was completed for this property – see pg# 31-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 488, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/06/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s464 and the Final Closing disclosure on Pg#'s 197, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 489. An interior and exterior appraisal was completed for this property – see pg# 31-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 488, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4362616 | N/A | N/A |
| XXXX | XXXX |  | 304719826 | Closed | 2025-06-06 10:15 | 2025-06-11 10:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s464 and the Final Closing disclosure on Pg#'s 197, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 489. An interior and exterior appraisal was completed for this property – see pg# 31-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 488, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/06/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XXXX) equals or exceeds the California HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXXX).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s464 and the Final Closing disclosure on Pg#'s 197, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 489. An interior and exterior appraisal was completed for this property – see pg# 31-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 488, and confirmation the appraisal was delivered to the borrower – see Pg#'s 20. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-06/06/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 4362614 | N/A | N/A |
| XXXX | XXXX |  | 304717844 | Closed | 2025-06-13 16:31 | 2025-06-21 06:16 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-SPL provided. - Due Diligence Vendor-06/21/2025 <br>Ready for Review-Document Uploaded. Service Provider List uploaded for review - Seller-06/20/2025 <br>Counter-Provide the Servicer Providers List/SPL. Document that was provided is the Homeownership Counseling. Need Written list of providers. - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. Seller Disclosure uploaded for review. - Buyer-06/18/2025 <br>Open-Please provide written service provider list, currently missing in file. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Service Provider List uploaded for review - Seller-06/20/2025<br>| Resolved-SPL provided. - Due Diligence Vendor-06/21/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4447312 | N/A | N/A |
| XXXX | XXXX |  | 304717844 | Closed | 2025-06-13 16:41 | 2025-06-21 06:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved. - Due Diligence Vendor-06/21/2025 <br> Open- - Due Diligence Vendor-06/21/2025 <br> Resolved-Appraisal receipt disclosure provided. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. Appraisal Delivery Docs uploaded for review. - Seller-06/18/2025 <br> Open-The loan's (8.505%) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.8%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 387 and the Final Closing disclosure on Pg. 222 reflects escrows. Rate lock date was entered correctly – see Pg. 417. An interior and exterior appraisal was completed for this property – see Pg. 61, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. MISSING for the copy of the disclosure. The loan does not meet HPML guidelines. Finding added for missing appraisal disclosure. - Due Diligence Vendor-06/13/2025 | Ready for Review-Document Uploaded. Appraisal Delivery Docs uploaded for review. - Seller-06/18/2025<br>| Resolved-Resolved. - Due Diligence Vendor-06/21/2025 <br>Resolved-Appraisal receipt disclosure provided. - Due Diligence Vendor-06/19/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4447471 | N/A | N/A |
| XXXX | XXXX |  | 304717844 | Closed | 2025-06-13 16:41 | 2025-06-19 09:25 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided. - Due Diligence Vendor-06/19/2025 <br> Ready for Review-Document Uploaded. XXXX LE uploaded for review. - Buyer-06/18/2025 <br> Open-The Initial Loan Estimate Disclosure Date (2025-05-13) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) Initial LE date of XXXX is more than 3 business days from application date of XXXX. - Due Diligence Vendor-06/13/2025 |  | Resolved-Initial LE provided. - Due Diligence Vendor-06/19/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4447470 | N/A | N/A |
| XXXX | XXXX |  | 304717844 | Closed | 2025-06-13 16:50 | 2025-06-19 08:39 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Document provided. - Due Diligence Vendor-06/19/2025 <br>Ready for Review-Document Uploaded. Appraisal Delivery Docs uploaded for review. - Buyer-06/18/2025 <br>Open-Missing Right to Receive Appraisal. - Due Diligence Vendor-06/13/2025 |  | Resolved-Document provided. - Due Diligence Vendor-06/19/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4447511 | N/A | N/A |
| XXXX | XXXX |  | 304717844 | Closed | 2025-06-09 02:04 | 2025-06-13 16:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided fully executed Initial LE. Finding resolved. - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. LE uploaded for review. - Seller-06/12/2025 <br>Open-Missing Loan Estimate in file unable to run the compliance report. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. LE uploaded for review. - Seller-06/12/2025<br>| Resolved-Lender provided fully executed Initial LE. Finding resolved. - Due Diligence Vendor-06/13/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4376467 | N/A | N/A |
| XXXX | XXXX |  | 304717844 | Closed | 2025-06-09 00:46 | 2025-06-13 01:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-06/13/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded for review. - Seller-06/12/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE more than 10 days pg 770. - Due Diligence Vendor-06/09/2025 | Ready for Review-Document Uploaded. SE VOE uploaded for review. - Seller-06/12/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Provided. Resolved - Due Diligence Vendor-06/13/2025<br>| XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 4376279 | N/A | N/A |
| XXXX | XXXX |  | 304712940 | Closed | 2025-06-09 23:24 | 2025-06-18 05:46 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-BPO document provided. Updated & Finding resolved. - Due Diligence Vendor-06/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Appraisal review product uploaded - Buyer-06/17/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation or Additional Valuation is missing from file. Primary full appraisal is in file however the Commercial BPO that is required on all properties is missing. <br> - Due Diligence Vendor-06/10/2025 |  | Resolved-BPO document provided. Updated & Finding resolved. - Due Diligence Vendor-06/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4390994 | N/A | N/A |
| XXXX | XXXX |  | 304709068 | Closed | 2025-06-10 22:52 | 2025-06-18 01:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/17/2025 <br> Open-The Final 1003 is Incomplete Borrower 2 is given as XXXX & Do not wish to disclose. - Due Diligence Vendor-06/11/2025 |  | Resolved-Updated Final 1003 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-06/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-06/18/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 4406598 | N/A | N/A |
| XXXX | XXXX |  | 304692796 | Closed | 2025-06-20 07:46 | 2025-06-24 17:48 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-06/23/2025 <br>Open-Missing HCO list. - Due Diligence Vendor-06/20/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 4509729 | N/A | N/A |
| XXXX | XXXX |  | 304692796 | Closed | 2025-06-13 01:23 | 2025-06-24 03:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service providers List is missing, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/24/2025 <br>Ready for Review-Document Uploaded. Please review upload. - Buyer-06/23/2025 <br>Open-Missing Service Provider List.<br> - Due Diligence Vendor-06/13/2025 |  | Resolved-Service providers List is missing, provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-06/24/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 4435625 | N/A | N/A |
| XXXX | XXXX |  | 304692796 | Closed | 2025-06-13 02:25 | 2025-06-23 14:12 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 12 Months | Waived-Exception Approved<br> - Due Diligence Vendor-06/23/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. XXXX approves exception - Buyer-06/23/2025 <br> Open-Exception for XXXX working XXXX jobs is approved. Borrower has XXXX years S/E and has returned to their XXXX work for the most recent year. Borrower returned to the same XXXX employer with which they had a previous XXXX year employment history at the same position. Exception letter is on pg-1137. - Due Diligence Vendor-06/13/2025 |  | Waived-Exception Approved<br> - Due Diligence Vendor-06/23/2025<br>| XXXX |  | Residual Income is $10,415.20. Minimum Residual Income required per guidelines is $2500. <br> Credit Score is 783. Minimum required per guidelines is 740. | MI | Primary Residence | Refinance | Cash Out - Other | 4436416 | Investor Post-Close | No |
| XXXX | XXXX |  | 304734550 | Closed | 2025-06-26 03:30 | 2025-07-03 05:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-06/26/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4567018 | N/A | N/A |
| XXXX | XXXX |  | 304734550 | Closed | 2025-07-02 09:37 | 2025-07-03 05:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/03/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/03/2025 <br>Ready for Review-Document Uploaded. - Seller-07/02/2025 <br>Open-Evidence of Rate Lock Missing Provide Evidence of Rate Lock - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. - Seller-07/02/2025<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-07/03/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/03/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4632550 | N/A | N/A |
| XXXX | XXXX |  | 304734550 | Closed | 2025-07-02 09:51 | 2025-07-03 05:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of XXXX is equal to or greater than Required Coverage Amount of XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/03/2025 <br> Resolved-Received copy of email from agent showing that there is 100% replacement cost that covers the RCE run by the insurance company. XXXX law does not allow for the insurance companies to provide the RCE to lenders. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. There's an ordinance on the policy of 25% which puts this at XXXX. <br> However, there is an email from the agent showing that there is 100% replacement cost that covers the RCE run by the insurance company. XXXX law does not allow for the insurance companies to provide the RCE to lenders. - Seller-07/02/2025 <br> Open-Hazard Insurance Coverage Amount is XXXX and is less than Required Coverage Amount XXXX. Provide RCE or HOI Policy with sufficient dwelling coverage - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. There's an ordinance on the policy of XXXX which puts this at XXXX. <br> However, there is an email from the agent showing that there is 100% replacement cost that covers the RCE run by the insurance company. Florida law does not allow for the insurance companies to provide the RCE to lenders. - Seller-07/02/2025 | Resolved-Hazard Insurance Coverage Amount of XXXX is equal to or greater than Required Coverage Amount of XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-07/03/2025 <br> Resolved-Received copy of email from agent showing that there is 100% replacement cost that covers the RCE run by the insurance company. Florida law does not allow for the insurance companies to provide the RCE to lenders. - Due Diligence Vendor-07/03/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 4632892 | N/A | N/A |
| XXXX | XXXX |  | 304734542 | Closed | 2025-06-25 22:02 | 2025-07-31 07:12 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-Signed note provided - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/30/2025 <br>Open-The Note is Not Executed - Due Diligence Vendor-06/26/2025 |  | Resolved-Signed note provided - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | MN | Investment | Purchase | NA | 4566192 | N/A | N/A |
| XXXX | XXXX |  | 304719820 | Closed | 2025-06-27 01:41 | 2025-07-22 15:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Updated Choice guidelines allow XXXX LTV, Resolved. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Updated guides also attached - Seller-07/22/2025 <br> Ready for Review-Document Uploaded. XXXX guides show up to XXXXLTV - Seller-07/22/2025 <br> Counter-. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Lender provided XXXX Corr guidelines dated XXXX, however, per rate lock and approval in file, loan approved as XXXX. Condition unresolved. - Due Diligence Vendor-07/15/2025 <br> Ready for Review-Document Uploaded. see page 3 of the attached. XXXX section. - Seller-07/12/2025 <br> Counter-Can you provide matrix - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Per XXXX matrix the max LTV is XXXX - Buyer-07/08/2025 <br> Open-Audited LTV of XXXX exceeds Guideline LTV of XXXX - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. Updated guides also attached - Seller-07/22/2025 <br> Ready for Review-Document Uploaded. XXXX guides show up to XXXX - Seller-07/22/2025 <br> Ready for Review-Document Uploaded. see page 3 of the attached. XXXX section. - Seller-07/12/2025 | Resolved-Updated Choice guidelines allow XXXX LTV, Resolved. - Due Diligence Vendor-07/22/2025 | XXXX |  | 739 FICO. 700 Min.<br> 0x30 Mtg pay history for over 60 months. Min 0x30 within the past 12 months. | UT | Investment | Purchase | NA | 4581625 | N/A | N/A |
| XXXX | XXXX |  | 304719820 | Closed | 2025-06-26 22:28 | 2025-07-16 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Lender provided additional executed Business Purpose and Occupancy Affidavit Disclosure. Condition resolved. - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-07/15/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated XXXX in file. - Due Diligence Vendor-06/27/2025 |  | Resolved-Lender provided additional executed Business Purpose and Occupancy Affidavit Disclosure. Condition resolved. - Due Diligence Vendor-07/16/2025<br>| XXXX |  |  | UT | Investment | Purchase | NA | 4581076 | N/A | N/A |
| XXXX | XXXX |  | 304719820 | Closed | 2025-06-26 23:43 | 2025-07-15 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Lender provided completed Flood cert. Condition resolved. - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. see attached page 2 - Seller-07/12/2025 <br>Open-Flood Certificate is Partially Provided Flood Certificate is Partially as NFIP Map Number and NFIP Map Panel<br> Effective/Revised Date is missing - Due Diligence Vendor-06/27/2025 | Ready for Review-Document Uploaded. see attached page 2 - Seller-07/12/2025<br>| Resolved-Lender provided completed Flood cert. Condition resolved. - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | UT | Investment | Purchase | NA | 4581290 | N/A | N/A |
| XXXX | XXXX |  | 304719944 | Closed | 2025-07-08 07:07 | 2025-07-18 07:53 | Acknowledged | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-Borrower is a XXXX, and the identification documents for a XXXX are provided. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. We have met our guidelines borrower confirmation of citizen with additional documents provided.We can proceed with downgrading and waiving this condition. The borrower is a XXXX, and the provided identification documents are for a XXXX, which supports their citizenship status. Therefore, this condition should be classified as informational.<br> Please note the condition in XXXX, provide the comps, and request at the end of the comments to downgrade and waive the condition. For example, they will likely reject the 1003 you provided because they require it to be signed for acceptance. It will be easier to downgrade and waive this condition, as we have supporting documentation to verify the borrower's status<br>4.6 XXXX BORROWERS<br> XXXX borrowers are individuals with an ITIN who reside and work<br> within the United States but do not possess U.S. citizenship. XXXX borrowers are eligible for primary and second<br> home occupancy under select products and programs of the XXXX only. See the XXXX XXXX Matrix for additional information and restrictions.<br> 4.6.1 VERIFICATION OF RESIDENCY STATUS<br> The following documentation is required for all XXXX borrowers:<br> Ÿ Unexpired XXXX card or letter from XXXX assigning the XXXX to the borrower prior to application<br> Ÿ Unexpired government photo ID (driver's license, passport, visa, etc.)<br> Ÿ One item of supplemental documentation (birth certificate, tax return, XXXX, tax bill, or utility bill)<br> If a XXXX, it does not eliminate the residency requirements listed<br> above. Citizens of XXXX are ineligible for XXXX programs.<br>- Seller-07/17/2025 <br> Open-The Final 1003 is Incomplete Citizenship is blank on the final 1003 - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. We have met our guidelines borrower confirmation of citizen with additional documents provided.We can proceed with downgrading and waiving this condition. The borrower is a XXXX, and the provided identification documents are for a XXXX, which supports their citizenship status. Therefore, this condition should be classified as informational.<br> Please note the condition in XXXX, provide the comps, and request at the end of the comments to downgrade and waive the condition. For example, they will likely reject the 1003 you provided because they require it to be signed for acceptance. It will be easier to downgrade and waive this condition, as we have supporting documentation to verify the borrower's status<br>4.6 XXXXBORROWERS<br> XXXX borrowers are individuals with an XXXXwho reside and work<br> within the United States but do not possess U.S. citizenship. XXXX Borrowers are eligible for primary and second<br> home occupancy under select products and programs of the XXXX only. See the XXXX for additional information and restrictions.<br> 4.6.1 VERIFICATION OF RESIDENCY STATUS<br> The following documentation is required for all XXXX borrowers:<br> Ÿ Unexpired ITIN card or letter from IRS assigning the XXXX to the borrower prior to application<br> Ÿ Unexpired government photo ID (driver's license, passport, visa, etc.)<br> Ÿ One item of supplemental documentation (birth certificate, tax return, W-2, tax bill, or utility bill)<br> If a non-U.S. citizen is borrowing with a U.S. citizen, it does not eliminate the residency requirements listed<br> above. Citizens of XXXX are ineligible for Deephaven programs.<br>- Seller-07/17/2025 | Acknowledged-Borrower is a XXXX, and the identification documents for a XXXX are provided. - Due Diligence Vendor-07/18/2025 | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4720522 | Investor Post-Close | No |
| XXXX | XXXX |  | 304719944 | Closed | 2025-07-01 06:15 | 2025-07-17 22:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-GIFT document along with wire proof provided. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXXmonth(s)<br> - Due Diligence Vendor-07/18/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. The borrower's XXX checking account ending in XXXX reflects a balance ofXXXX. In addition, the borrower is receiving a gift of XXXX, bringing the total available funds to XXXX<br>After subtracting the cash to close of XXXX, the borrower will haveXXXX remaining as reserves.<br>To calculate the number of months of reserves:<br>XXXX (PITI) = approximately XXXX months of reserves - Buyer-07/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/17/2025 <br> Open-Assets in file does not meet guideline minimum reserves requirement of XXXX months - Due Diligence Vendor-07/01/2025 |  | Resolved-GIFT document along with wire proof provided. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s)<br> - Due Diligence Vendor-07/18/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-07/18/2025 | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4613058 | N/A | N/A |
| XXXX | XXXX |  | 304719944 | Closed | 2025-07-01 03:10 | 2025-07-17 00:47 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-Document Uploaded. Please see the attached 1008 - Buyer-07/16/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document which is missing from the loan file. - Due Diligence Vendor-07/01/2025 |  | Resolved-1008 is missing in file, Provided the same, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4612098 | N/A | N/A |
| XXXX | XXXX |  | 304719944 | Closed | 2025-07-01 11:35 | 2025-07-08 07:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s1026 and the Final Closing disclosure on Pg#'s511, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s1171. An interior and exterior appraisal was completed for this property – see pg #128, the appraisal disclosure was provided to the borrower(s)- see Pg#'s1938, and confirmation the appraisal was delivered to the borrower – see Pg#'s196-198. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/01/2025 <br> Open- - Due Diligence Vendor-07/08/2025 <br> Open- - Due Diligence Vendor-07/01/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s1026 and the Final Closing disclosure on Pg#'s511, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s1171. An interior and exterior appraisal was completed for this property – see pg #128, the appraisal disclosure was provided to the borrower(s)- see Pg#'s1938, and confirmation the appraisal was delivered to the borrower – see Pg#'s196-198. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-07/01/2025 | XXXX |  |  | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4619124 | N/A | N/A |
| XXXX | XXXX |  | 304719812 | Closed | 2025-07-02 22:56 | 2025-07-14 05:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Final CD Document Provided, updated into system, XXXX Ran & Condition resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Final CD uploaded for review. - Buyer-07/11/2025 <br> Open-TRID: Missing Final Closing Disclosure in file. - Due Diligence Vendor-07/03/2025 |  | Resolved-Requested Final CD Document Provided, updated into system, XXXX Ran & Condition resolved. - Due Diligence Vendor-07/14/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/14/2025 | XXXX |  |  | NV | Primary Residence | Purchase | NA | 4646297 | N/A | N/A |
| XXXX | XXXX |  | 304719812 | Closed | 2025-07-14 05:43 | 2025-07-14 05:46 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 305 and the Final Closing disclosure on Pg#'s Findings, reflects escrows. Rate lock date was entered correctly – see Pg#'s 332. An interior and exterior appraisal was completed for this property – see pg 56, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 364, and confirmation the appraisal was delivered to the borrower – see Pg#'s 54. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025 <br> Open-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-07/14/2025 <br> Open- - Due Diligence Vendor-07/14/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 305 and the Final Closing disclosure on Pg#'s Findings, reflects escrows. Rate lock date was entered correctly – see Pg#'s 332. An interior and exterior appraisal was completed for this property – see pg 56, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 364, and confirmation the appraisal was delivered to the borrower – see Pg#'s 54. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-07/14/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4801402 | N/A | N/A |
| XXXX | XXXX |  | 304719812 | Closed | 2025-07-03 00:48 | 2025-07-10 06:24 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Does Not Meet Guideline Requirements - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Exception approved by XXXX. - Buyer-07/09/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Manager Notes: Exception approved to proceed with XXXX bwr with XXXX credit references. Bwr has<br> XXXX (XXXX mo rev) tradelines on credit and several other tradelines with XXXX. All payments<br> made as agreement, no lates. Bwr also has owned current primary since XXXX with husband and it is<br> Free and clear. Subject transaction is primary purchase with XXXX down, funds and reserves all from bwr<br> own funds. DTI XXX, XXXX residual, and XXXX mo reserves - Due Diligence Vendor-07/03/2025 |  | Resolved-Delinquent Credit History Does Not Meet Guideline Requirements - Due Diligence Vendor-07/10/2025<br>| XXXX |  | DTI is 13.4%. Maximum allowed per guidelines is 50%.<br> LTV is 80%. Maximum allowed per guidelines is 80%.<br> Borrower(s) have 20.16 months Reserves. Minimum required per guidelines is 3 months. | NV | Primary Residence | Purchase | NA | 4646636 | N/A | N/A |
| XXXX | XXXX |  | 304719812 | Closed | 2025-07-02 23:40 | 2025-07-10 03:56 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document Provided with corrected Tax amount. - Due Diligence Vendor-07/10/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. Updated 1008 uploaded for review. - Seller-07/09/2025 <br> Open-The 1008 document is missing from the loan file. Calculated Tax is XXXX but 1008 shows XXXX. - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. Updated 1008 uploaded for review. - Seller-07/09/2025<br>| Resolved-1008 document Provided with corrected Tax amount. - Due Diligence Vendor-07/10/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/10/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 4646421 | N/A | N/A |
| XXXX | XXXX |  | 304642173 | Closed | 2025-07-01 23:20 | 2025-07-09 15:38 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Acknowledged-XXXX Acknowledges<br> - Due Diligence Vendor-07/09/2025 <br> Unable to Resolve-Unable to Resolve-Per XXXX GL, gap credit is not required.<br> XXXX Agrees to waive due to the following comp factors; please downgrade to a Non-Material Grade 2.<br> - Buyer-07/08/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-07/02/2025 |  | Acknowledged-XXXXAcknowledges<br> - Due Diligence Vendor-07/09/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4626537 | Investor Post-Close | No |
| XXXX | XXXX |  | 304642173 | Closed | 2025-07-01 23:20 | 2025-07-09 15:38 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Acknowledged-XXXX Acknowledges<br> - Due Diligence Vendor-07/09/2025 <br> Unable to Resolve-Unable to Resolve-Per XXXXGL, gap credit is not required.<br> XXXX Agrees to waive due to the following comp factors; please downgrade to a Non-Material Grade 2.<br> - Buyer-07/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/02/2025 |  | Acknowledged-XXXX Acknowledges<br> - Due Diligence Vendor-07/09/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4626536 | Investor Post-Close | No |
| XXXX | XXXX |  | 304642173 | Closed | 2025-07-02 06:18 | 2025-07-09 05:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/08/2025 <br>Open-The Initial 1003 is Missing MLO signature and date is missing on initial 1003 - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. attached - Seller-07/08/2025<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4628012 | N/A | N/A |
| XXXX | XXXX |  | 304642173 | Closed | 2025-07-02 00:57 | 2025-07-09 05:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/09/2025 <br>Ready for Review-Document Uploaded. disclosure tracking shows home toolkit was sent to borrower - Seller-07/08/2025 <br>Open-Toolkit is missing from file. - Due Diligence Vendor-07/02/2025 | Ready for Review-Document Uploaded. disclosure tracking shows home toolkit was sent to borrower - Seller-07/08/2025<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4626858 | N/A | N/A |
| XXXX | XXXX |  | 304642173 | Closed | 2025-07-02 00:44 | 2025-07-02 07:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 760 and the Final Closing disclosure on Pg 122 reflects escrows. Rate lock date was entered correctly – see Pg 793 An interior and exterior appraisal was completed for this property – see pg 35 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 24, and copy of the appraisal was given to the borrower – see Pg 57for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 <br> Open- - Due Diligence Vendor-07/02/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 760 and the Final Closing disclosure on Pg 122 reflects escrows. Rate lock date was entered correctly – see Pg 793 An interior and exterior appraisal was completed for this property – see pg 35 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 24, and copy of the appraisal was given to the borrower – see Pg 57for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-07/02/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 4626810 | N/A | N/A |
| XXXX | XXXX |  | 304734508 | Closed | 2025-07-08 00:45 | 2025-07-29 16:35 | Acknowledged | 2 - Non-Material C B | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/29/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-07/29/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. - Due Diligence Vendor-07/08/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-07/29/2025 | XXXX |  |  | NC | Investment | Purchase | NA | 4718236 | Investor Post-Close | No |
| XXXX | XXXX |  | 304734266 | Closed | 2025-07-08 07:15 | 2025-07-17 06:04 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing History, Verified current address as 2 months and remaining from Previous address which is for rent and provided bank statements including rent Payments, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-07/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower is living on this address XXXX rent XXXX verified only two month but not able to verify XXXX rent history. LOX page no.#1179 - Due Diligence Vendor-07/08/2025 |  | Resolved-Unable to verify Housing History, Verified current address as 2 months and remaining from Previous address which is for rent and provided bank statements including rent Payments, Changes made in system, Finding Resolved - Due Diligence Vendor-07/17/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/17/2025<br>| XXXX |  |  | IN | Investment | Purchase | NA | 4720650 | N/A | N/A |
| XXXX | XXXX |  | 304734722 | Closed | 2025-07-22 03:41 | 2025-07-23 12:56 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-The true Initial 1003 was received in the docs above. Application dated XXXX, but wasn't signed until XXXX. Inputs are correct, but using the earlier XXXX date as the true application date. XXXX re-run and passes. Issue resolved. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). - Due Diligence Vendor-07/22/2025 <br> Open-The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-The true Initial 1003 was received in the docs above. Application dated XXXX, but wasn't signed until XXXX. Inputs are correct, but using the earlier XXXX5 date as the true application date. XXXX re-run and passes. Issue resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4899234 | N/A | N/A |
| XXXX | XXXX |  | 304734722 | Closed | 2025-07-22 03:41 | 2025-07-23 12:56 | Resolved | 1 - Information C A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-The true Initial 1003 was received in the docs above. Application dated XXX, but wasn't signed until XXXX. Inputs are correct, but using the earlier XXXX date as the true application date. XXXX re-run and passes. Issue resolved. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). - Due Diligence Vendor-07/22/2025 <br> Open-The List of Settlement Service Providers Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-The true Initial 1003 was received in the docs above. Application dated XXXX, but wasn't signed until XXXX. Inputs are correct, but using the earlier XXXX date as the true application date. XXXX re-run and passes. Issue resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4899235 | N/A | N/A |
| XXXX | XXXX |  | 304734722 | Closed | 2025-07-22 03:41 | 2025-07-23 12:56 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-The true Initial 1003 was received in the docs above. Application dated XXXX, but wasn't signed until XXXX. Inputs are correct, but using the earlier XXXX date as the true application date. XXX re-run and passes. Issue resolved. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). - Due Diligence Vendor-07/22/2025 <br> Open-The Homeownership Counseling Disclosure Sent Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025<br>| Resolved-The true Initial 1003 was received in the docs above. Application dated XXXX, but wasn't signed until XXXX. Inputs are correct, but using the earlier XXXX date as the true application date. XXXX re-run and passes. Issue resolved. - Due Diligence Vendor-07/23/2025 | XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4899236 | N/A | N/A |
| XXXX | XXXX |  | 304734722 | Closed | 2025-07-17 08:36 | 2025-07-23 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Income calculator provided to show the unique way income was calculated. A separate WVOE is not needed. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Please see Income Calc notes at the bottom to review how income was derived. - Seller-07/23/2025 <br> Open-Borrower 1 WVOE Missing • File is missing the WVOE to confirm Borrower Joining Date for XXXX. And the WVOEs on file do not match the YTD figures shown on the Income Calculation Worksheet. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please see Income Calc notes at the bottom to review how income was derived. - Seller-07/23/2025<br>| Resolved-Income calculator provided to show the unique way income was calculated. A separate WVOE is not needed. - Due Diligence Vendor-07/23/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4851157 | N/A | N/A |
| XXXX | XXXX |  | 304734722 | Closed | 2025-07-17 09:37 | 2025-07-22 03:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure Provided.<br> - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. - Seller-07/21/2025 <br> Open-TRID: Missing Closing Disclosure • The Initial Closing Disclosure is missing in file. To run a compliance review, this document is required. The only documents provided were the Initial LE XXXX and the Final CD XXXX. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Initial Closing Disclosure Provided.<br> - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4852679 | N/A | N/A |
| XXXX | XXXX |  | 304735886 | Closed | 2025-07-07 10:33 | 2025-07-15 03:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/15/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. income worksheet attached - Seller-07/14/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Bank Name & Account number on lender income worksheet is missing. Provide updated Lender Income Calculation Worksheet - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. income worksheet attached - Seller-07/14/2025<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/15/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-07/15/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4690912 | N/A | N/A |
| XXXX | XXXX |  | 304735886 | Closed | 2025-07-07 09:19 | 2025-07-11 05:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-XXXX - Third Party Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Sam.Gov attached - Seller-07/10/2025 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report (XXXX), Missing in File - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. XXXX attached - Seller-07/10/2025 | Resolved-XXXX - Third Party Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-07/11/2025 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-07/11/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 4688491 | N/A | N/A |
| XXXX | XXXX |  | 304735886 | Closed | 2025-07-07 10:02 | 2025-07-11 05:39 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender approval with accurate information uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. Lender approval with accurate information. - Seller-07/10/2025 <br> Open-Lender Approval Form reflects both XXXX and Qualifying Type as XXXX whereas borrower is qualified with XXXX - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Lender approval with accurate information. - Seller-07/10/2025<br>| Resolved-Lender approval with accurate information uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-07/11/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 4690387 | N/A | N/A |
| XXXX | XXXX |  | 304725156 | Closed | 2025-07-10 23:25 | 2025-07-14 13:44 | Waived | 2 - Non-Material B | Property | Appraisal | Collateral Documentation | Waived-Per XXXX (XXXX) Guidelines on page#154.<br> Exception in file on page#1619<br> Exception Review – Approved to allow a Condo that does not meet non warrantable condo guidelines as the borrower is 100% owner of the condo(XXXX). Finding waived. - Due Diligence Vendor-07/11/2025 |  | Waived-Per XXXX (XXXX) Guidelines on page#154.<br> Exception in file on page#1619<br> Exception Review – Approved to allow a Condo that does not meet non warrantable condo guidelines as the borrower is 100% owner of the condo(XXXX). Finding waived. - Due Diligence Vendor-07/11/2025 | XXXX |  | LTV is 43.12%. Maximum allowed per guidelines is 75%.<br> Credit Score is 787. Minimum required per guidelines is 740.<br> Borrower(s) have 246.09 months Reserves. Minimum required per guidelines is 5 months. | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4777070 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304725156 | Closed | 2025-07-10 23:21 | 2025-07-14 13:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Per XXXX Wholesale (XXXX) Guideline on Page#55.<br> Exception on page#1619<br> Exception Review – Approved to allow XXXX loans for 1 borrower. Per guidelines maximum of XXXX loans are allowed per borrower. Finding waived. - Due Diligence Vendor-07/11/2025 |  | Waived-Per XXXX (XXXX) Guideline on Page#55.<br> Exception on page#1619<br> Exception Review – Approved to allow XXX loans for 1 borrower. Per guidelines maximum of XXXX loans are allowed per borrower. Finding waived. - Due Diligence Vendor-07/11/2025 | XXXX |  | LTV is 43.12%. Maximum allowed per guidelines is 75%.<br> Credit Score is 787. Minimum required per guidelines is 740.<br> Borrower(s) have 246.09 months Reserves. Minimum required per guidelines is 5 months. | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4777048 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304725149 | Closed | 2025-07-14 20:28 | 2025-07-28 07:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Exception provided-waived - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception - Buyer-07/24/2025 <br> Open-Condo does not meet non warrantable condo guidelines as the borrower is XXXX owner of the condo(XXXX units). An exception was not provided in file. - Due Diligence Vendor-07/15/2025 |  | Waived-Exception provided-waived - Due Diligence Vendor-07/28/2025<br>| XXXX |  | Fico 787 minimum per guidelines is 660<br> LTV 41.52 max per guidelines is 75%<br> Reserves- 245.04 minimum per guidelines is 3 months<br> Housing history- 0x30x>60 months minimum per guidelines is 0x30x12 | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4814065 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304725149 | Closed | 2025-07-14 20:30 | 2025-07-28 07:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived- - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please see attached exception - Buyer-07/24/2025 <br> Open-XXXX loans for 1 borrower per page 498-499. Per guidelines on page 190 maximum of XXXX loans are allowed per borrower. An exception was nor provided - Due Diligence Vendor-07/15/2025 |  |  | XXXX |  | Fico 787 minimum per guidelines is 660<br> LTV 41.52 max per guidelines is 75%<br> Reserves- 245.04 minimum per guidelines is 3 months<br> Housing history- 0x30x>60 months minimum per guidelines is 0x30x12 | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 4814068 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-17 12:02 | 2025-07-22 13:26 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided XXXX relevant to initial LE. Finding resolved. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. Settlement Ser Dis uploaded for review. - Seller-07/21/2025 <br> Open-Written service provider list relevant to Initial LE is missing from file. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Settlement Ser Dis uploaded for review. - Seller-07/21/2025<br>| Resolved-Lender provided XXXX relevant to initial LE. Finding resolved. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 4855844 | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-14 01:41 | 2025-07-22 13:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided the fully executed ITP. Finding resolved. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. Intent to Proceed uploaded for review. - Buyer-07/21/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Missing in File Required on Primary Residence and Second Homes. - Due Diligence Vendor-07/14/2025 |  | Resolved-Lender provided the fully executed XXXX. Finding resolved. - Due Diligence Vendor-07/22/2025 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 4799940 | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-14 01:54 | 2025-07-22 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested Consumer Caution (Toolkit) and Homeowner Counseling Provided hence resolved. - Due Diligence Vendor-07/22/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. HO Counseling and Toolkit uploaded for review. - Buyer-07/21/2025 <br>Open-Consumer Caution (Toolkit) and Home Owner Counseling Notice is Missing in File. - Due Diligence Vendor-07/14/2025 |  | Resolved-Requested Consumer Caution (Toolkit) and Homeowner Counseling Provided hence resolved. - Due Diligence Vendor-07/22/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4799982 | N/A | N/A |
| XXXX | XXXX |  | 304730932 | Closed | 2025-07-14 01:42 | 2025-07-22 02:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial & Revised Loan Estimate Provided. Updated & Resolved. - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. LE uploaded for review. - Buyer-07/21/2025 <br>Open-Provide Initial Loan Estimate Missing in File Required to Run Compliance. - Due Diligence Vendor-07/14/2025 |  | Resolved-Initial & Revised Loan Estimate Provided. Updated & Resolved. - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4799946 | N/A | N/A |
| XXXX | XXXX |  | 304757449 | Closed | 2025-07-18 05:56 | 2025-07-22 04:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/22/2025 <br>Ready for Review-Document Uploaded. - Seller-07/21/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need Initial CD. - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. - Seller-07/21/2025<br>| Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | 4864471 | N/A | N/A |
| XXXX | XXXX |  | 304757449 | Closed | 2025-07-22 03:59 | 2025-07-22 04:02 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-07/22/2025 <br> Open-The disclosed Total of Payments (XXXX) is understated by more than the greater of $100 or 1/2 of 1% of the note amount when compared to the actual Total of Payments of (XXXX). The difference is (XXXX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note (XXXX) or $100, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) - Due Diligence Vendor-07/22/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | 4899287 | N/A | N/A |
| XXXX | XXXX |  | 304757449 | Closed | 2025-07-22 03:59 | 2025-07-22 04:02 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-07/22/2025 <br> Open-The disclosed finance charge (XXXX) is (XXXX) below the actual finance charge(XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-07/22/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | 4899288 | N/A | N/A |
| XXXX | XXXX |  | 304757449 | Closed | 2025-07-22 03:59 | 2025-07-22 04:02 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-07/22/2025 <br> Open-The disclosed Total of Payments (XXXX) is understated by more than XXXX when compared to the actual Total of Payments of (XXXX). The difference is (XXXX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) - Due Diligence Vendor-07/22/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | 4899289 | N/A | N/A |
| XXXX | XXXX |  | 304757449 | Closed | 2025-07-22 03:59 | 2025-07-22 04:02 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved - Due Diligence Vendor-07/22/2025 <br> Open-The disclosed finance charge (XXXX) is (XXXX) below the actual finance charge (XXXX). For rescission after initiation of foreclosure, the Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $35 below the actual finance charge. (15 USC Sec. 1635(i)(2); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-07/22/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | 4899290 | N/A | N/A |
| XXXX | XXXX |  | 304757449 | Closed | 2025-07-22 03:59 | 2025-07-22 04:02 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Closed End Finance Charge Rescission Tolerance | Resolved-Resolved - Due Diligence Vendor-07/22/2025 <br> Open-The disclosed finance charge (XXXX) is less than the actual finance charge (XXXX) by (XXXX). For rescission purposes, the Truth in Lending Act considers the finance charge inaccurate if it is understated by more than half of 1% of the note amount (XXXX) or $100, whichever is greater. (12 CFR 1026.23(g); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-07/22/2025 |  | Resolved-Resolved - Due Diligence Vendor-07/22/2025<br>| XXXX |  |  | AR | Primary Residence | Refinance | Cash Out - Other | 4899291 | N/A | N/A |
| XXXX | XXXX |  | 304726411 | Closed | 2025-07-17 03:16 | 2025-07-31 06:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated hazard insurance reflects rent loss- reserves meet guidelines - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see the attached rent loss policy, which confirms coverage for 12 months of rental income loss. As such, the additional 6 months of reserves are not required. Kindly clear this finding. - Buyer-07/29/2025 <br> Counter-Exception provided does not address the reserves - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Manager Notes: Exception is denied. Guidelines require prior leases to be verified to allow XXXX rentals. Please clear this finding - Buyer-07/24/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 12 month(s) Updated assets as per provided recent bank statement. Asper Matrix XXXX Minimum reserves required is 6 Months and additional 6 months reserves added for rental loss. - Due Diligence Vendor-07/17/2025 |  | Resolved-Updated hazard insurance reflects rent loss- reserves meet guidelines - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 4847938 | N/A | N/A |
| XXXX | XXXX |  | 304726411 | Closed | 2025-07-17 03:21 | 2025-07-28 07:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception provided - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception - Buyer-07/24/2025 <br> Open-Audited LTV Exceeds Guideline LTV Per Matrix XXXX For Interest only loan Reduce max LTV by XXXX Calculated LTV is XXXX reduced to XXX. - Due Diligence Vendor-07/17/2025 |  | Waived-Exception provided - Due Diligence Vendor-07/28/2025<br>| XXXX |  | Fico 789 minimum per guidelines is 680<br> Housing history- 0x30x46 minimum per guidelines is 0x30x24<br>| IL | Investment | Purchase | NA | 4847953 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304726411 | Closed | 2025-07-22 21:28 | 2025-07-22 21:28 | Waived | 2 - Non-Material B | Credit | Credit | Deficient subject rental income documentation. | Waived-Exception approved on page 918 5-9 GLs requires all XXXX leases to have been started as 12 month initial leases. Requesting exception to allow for no prior leases on XXXX occupied units on this XXXX<br> purchase. Processor cert in file confirming they do not have the original lease but only have the current rent roll with XXXX / rent increase notices - Due Diligence Vendor-07/23/2025 |  | Waived-Exception approved on page 918 5-9 GLs requires all XXXX leases to have been started as 12 month initial leases. Requesting exception to allow for no prior leases on XXX occupied units on this XXXX<br> purchase. Processor cert in file confirming they do not have the original lease but only have the current rent roll with XXXX / rent increase notices - Due Diligence Vendor-07/23/2025 | XXXX |  | Fico 789 minimum per guidelines is 680<br> Housing history- 0x30x46 minimum per guidelines is 0x30x24 | IL | Investment | Purchase | NA | 4913557 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304727998 | Closed | 2025-07-21 02:16 | 2025-08-11 00:30 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Provided. Resolved - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. XXXX = Middle is XXXX<br> XXXX: XXXX = Middle is XXXX<br>I have updated to reflect XXX on new 1008 - Buyer-08/09/2025 <br> Open-Qualifying FICO on the 1008 Page is 'XXXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per GL's if Loan Type is XXXX and there are 2 Borrowers we will select Highest Mid Score But FICO Score in 1008 is Incorrect Resulting in Discrepancy. - Due Diligence Vendor-07/21/2025 |  | Resolved-Updated 1008 Provided. Resolved - Due Diligence Vendor-08/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4882689 | N/A | N/A |
| XXXX | XXXX |  | 304717835 | Closed | 2025-07-20 23:25 | 2025-07-28 02:56 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/25/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount Title coverage amount of XXXX is Less than Loan Amount of XXXX. - Due Diligence Vendor-07/21/2025 |  | Resolved-Title coverage is less than loan amount, provided updated Title document, changes made in system, Finding Resolved - Due Diligence Vendor-07/28/2025 <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/28/2025 | XXXX |  |  | ME | Investment | Refinance | Cash Out - Other | 4882166 | N/A | N/A |
| XXXX | XXXX |  | 304734506 | Closed | 2025-07-22 03:21 | 2025-07-29 08:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Formal exception in loan file. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. VOR Documents and exception used by UW to clear condition uploaded for review. XXXX approves exception. - Buyer-07/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception document Available on 344<br> Exception per Primary Mortgage history For Co- Borrower As per Guidelines Matrix VersionXXXXX Page #3 Minium Primary Mortgage Should be 12 months. <br> Exception Review Approved- Co-borrower, XXXX , does not have a history for his primary. Primary borrower, XXXX meets tradelines and housing history. Comp Factors: no <br> mortgage lates, XXXX months reserves, FICO XXXX. - Due Diligence Vendor-07/22/2025 |  | Waived-Formal exception in loan file. - Due Diligence Vendor-07/29/2025<br>| XXXX |  | Borrower(s) have 8.29 months Reserves. Minimum required per guidelines is 3 months.<br> Credit Score is 755. Minimum required per guidelines is 740. | NE | Investment | Purchase | NA | 4899157 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304736290 | Closed | 2025-07-29 08:26 | 2025-07-31 11:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Agree to waive the loan amount based on comp factors: XXXX LTV, XXXX FICO, XXXX DTI, XXXX months reserves - Buyer-07/29/2025 <br> Open-Audited Loan Amount of XXXXX is greater than the Guideline Maximum Loan Amount of XXXX There was not an exception in the file. - Due Diligence Vendor-07/29/2025 |  | Waived-Exception Approved - Due Diligence Vendor-07/31/2025<br>| XXXX |  | 65% LTV<br> 757 FICO<br> 10% DTI, Max is 50%<br> 50+ months reserves, min is 3 | ID | Investment | Refinance | Cash Out - Other | 4978117 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757624 | Closed | 2025-07-23 22:12 | 2025-08-08 06:06 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document uploaded, This is a XXXX, HCLTV not required, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. updated 1008 and lox regarding 1008 - Seller-08/07/2025 <br> Open-The 1008 document is missing from the loan file. level of property and HCLTV left blank, DTI is incorrect in 1008 calculated is XXXX%. FICO incorrect XXXX in 1008 vs XXXX in Loan Approval and CBR. Provide updated 1008 document - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. updated 1008 and lox regarding 1008 - Seller-08/07/2025<br>| Resolved-Updated 1008 document uploaded, This is a first mortgage XXXX, HCLTV not required, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/08/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/08/2025 | XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4928249 | N/A | N/A |
| XXXX | XXXX |  | 304757451 | Closed | 2025-07-24 00:59 | 2025-07-31 08:49 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-the intent to proceed was upload to the file. - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-the intent to proceed was upload to the file. - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4928811 | N/A | N/A |
| XXXX | XXXX |  | 304757451 | Closed | 2025-07-24 00:58 | 2025-07-31 08:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD and COC's were provided. Resolved - Due Diligence Vendor-07/31/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-TRID: Missing Closing Disclosure initial Closing Disclosure Is missing in file. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-the initial CD and COC's were provided. Resolved - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 4928808 | N/A | N/A |
| XXXX | XXXX |  | 304708126 | Closed | 2025-07-23 06:17 | 2025-08-20 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrowers XXXX received. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. XXXX card attached and valid. TY - Seller-08/19/2025 <br> Counter-This finding has not been addressed. Borrower is XXXX, Per LSM Guidelines dated XXXX on page 45, required XXXX. XXXX card missing in file. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. 1004D is attached, all pages, with photos. Original value on appraisal is on page XXXX. This was signed on XXXX. This report serves two purposes---supports the value, and shows repairs are done. I am also attaching the Appraisal Risk Review, that supports the 144K value and this was completed on XXXX. Please review. - Seller-07/31/2025 <br> Open-Borrower is XXXX, Per LSM Guidelines dated XXXX on page 45, required XXXX. XXXX card missing in file. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. PRN card attached and valid. TY - Seller-08/19/2025 <br> Ready for Review-Document Uploaded. 1004D is attached, all pages, with photos. Original value on appraisal is on page 2-$XXXX. This was signed on XXXX. This report serves two purposes---supports the value, and shows repairs are done. I am also attaching the Appraisal Risk Review, that supports the XXXX value and this was completed on XXXX. Please review. - Seller-07/31/2025 | Resolved-Borrowers XXXX received. - Due Diligence Vendor-08/20/2025 | XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4915450 | N/A | N/A |
| XXXX | XXXX |  | 304708126 | Closed | 2025-07-24 15:24 | 2025-08-18 06:18 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal Expired | Resolved-Updated 1004D received with market value remaining the same. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Attached 1004D. Value is also supported by ARR. - Seller-08/14/2025 <br> Counter-The attached 1004D shows the original appraised value as of XXXX for XXXX, however, the appraiser has not checked the box indicating has the market value of the subject property declined since the effective date of the prior appraisal Yes or No. No other place on 1004D does the appraiser indicate the market value remains the same. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. Attaching 1004D and appraisal review that both support the XXXX value and both done in XXXX. Please review. - Seller-07/31/2025 <br> Open-Appraisal completion date XXXX. Note date of XXXX. Appraisal is more than 120 days prior to Note date which exceeds G/L's. 1004D on page 83 does not issue a recertification of value. - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. Attached 1004D. Value is also supported by ARR. - Seller-08/14/2025 <br> Ready for Review-Document Uploaded. Attaching 1004D and appraisal review that both support the XXXX value and both done in XXXX. Please review. - Seller-07/31/2025 | Resolved-Updated 1004D received with market value remaining the same. - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4941337 | N/A | N/A |
| XXXX | XXXX |  | 304708126 | Closed | 2025-07-23 05:19 | 2025-08-01 01:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 Provided. Resolved - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-07/31/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003. Initial 1003 missing in file. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Initial 1003 Provided. Resolved - Due Diligence Vendor-08/01/2025<br>| XXXX |  |  | AL | Investment | Refinance | Cash Out - Other | 4914953 | N/A | N/A |
| XXXX | XXXX |  | 304752346 | Closed | 2025-07-24 06:33 | 2025-07-29 06:52 | Resolved | 1 - Information C A | Credit | Credit | Spousal Consent Missing | Resolved-Spousal consent not required as it is an XXXX. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-In XXXX, when a personal guaranty is present, then evidence of spousal consent is also required. Consent of Spouse Disclosure is missing in the file - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025<br>| Resolved-Spousal consent not required as it is an XXXX. - Due Diligence Vendor-07/29/2025 | XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 4930246 | N/A | N/A |
| XXXX | XXXX |  | 304748508 | Closed | 2025-07-24 06:41 | 2025-08-06 07:00 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. UPLOADED PER CONVERSATION WITH XXXX. - Seller-08/05/2025 <br> Open-Missing secondary valuation which is required for securitization. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. UPLOADED PER CONVERSATION WITH XXXX. - Seller-08/05/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 4930326 | N/A | N/A |
| XXXX | XXXX |  | 304731335 | Closed | 2025-07-25 05:22 | 2025-08-04 09:50 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/04/2025 <br> Unable to Resolve-Unable to Resolve-XXXX Agrees to waive; please downgrade to a Non-Material Grade 2. - Buyer-07/31/2025 <br> Open-The Final 1003 is Missing Entity LLC is missing from file. - Due Diligence Vendor-07/25/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/04/2025 | XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4944083 | Investor Post-Close | No |
| XXXX | XXXX |  | 304734500 | Closed | 2025-07-26 06:40 | 2025-07-31 04:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-07/30/2025 <br> Open-Title Coverage Amount of XXXX is Less than Loan Amount Provided updated title with coverage of at least XXXX. - Due Diligence Vendor-07/26/2025 |  | Resolved-Title coverage is less than loan amount, provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br> Resolved-Title Coverage Amount of XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/31/2025 | XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4957257 | N/A | N/A |
| XXXX | XXXX |  | 304734500 | Closed | 2025-07-26 07:03 | 2025-07-31 04:48 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-unable to verify Housing History, property Report in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/31/2025 <br>Ready for Review-We do not require an LOE-property report showing no mortgage is enough. - Buyer-07/30/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living in primary house.no mortgage account under primary house as per fraud report and property details report pages #341,253 respectively. Provide Free and Clear LOX from borrower. - Due Diligence Vendor-07/26/2025 |  | Resolved-unable to verify Housing History, property Report in file, Changes made in system, Finding Resolved - Due Diligence Vendor-07/31/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/31/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 4957304 | N/A | N/A |
| XXXX | XXXX |  | 304730928 | Closed | 2025-08-13 09:21 | 2025-08-15 10:07 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Finding resolved, XXXX funds cover required amount - Due Diligence Vendor-08/15/2025 <br> Ready for Review-With borrower's XXXX-we have enough funds to back this out without showing proof. We can clear this. - Buyer-08/14/2025 <br> Open-EMD listed for XXXX on the final closing disclosure, missing deposit of EMD - Due Diligence Vendor-08/13/2025 |  | Resolved-Finding resolved, XXXX funds cover required amount - Due Diligence Vendor-08/15/2025 | XXXX |  |  | MI | Primary Residence | Purchase | NA | 5162031 | N/A | N/A |
| XXXX | XXXX |  | 304730928 | Closed | 2025-07-31 15:37 | 2025-08-13 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received asset documentation, finding resolved - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Rebuttal from Head Underwriter uploaded for review. - Buyer-08/11/2025 <br>Open-Missing bank statements of 6 months seasoning for asset utilization - Due Diligence Vendor-07/31/2025 |  | Resolved-Received asset documentation, finding resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | MI | Primary Residence | Purchase | NA | 5015487 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-31 05:58 | 2025-10-22 17:02 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-10/22/2025 <br> Open-Exception in file, exception requested for: Cash Out listed for sale after application date XXXX with LTV at XXX. XXXX has received: (1) proof that listing has been cancelled as of XXXX & (2) LOE stating the reason for the prior listing and intent to occupy the subject property - Due Diligence Vendor-10/22/2025 <br> Waived-Exception Approved - Due Diligence Vendor-08/06/2025 |  | Waived-Exception Approved - Due Diligence Vendor-10/22/2025 <br>Waived-Exception Approved - Due Diligence Vendor-08/06/2025<br>| XXXX |  | Residual Income is $13060.26. Minimum Residual Income required per guidelines is $2500. <br> 60% LTV | TX | Primary Residence | Refinance | Cash Out - Other | 5004543 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 01:09 | 2025-08-13 17:37 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Resolved, AVM used as primary value, variance positive. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We used the lower of the two property valuations (AVM) was used. avm was XXXX and appraisal was XXXX. - Seller-08/07/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXX An AVM has been provided but negative variance between appraisal and AVM exceeds XXXX. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. We used the lower of the two property valuations (AVM) was used. avm was XXXX and appraisal was XXXX. - Seller-08/07/2025 | Resolved-Resolved, AVM used as primary value, variance positive. - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989700 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:23 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-We provided the updated compliance report, which was run on XXXX, after the inspection fee was added. The report still reflects XXXX fees exceeding the 2% threshold per the Compliance XXXX report. We do not agree with this finding. - Buyer-08/13/2025 <br> Counter-Inspection fee added at revised CD issued XXXX is causing XXXX fees to exceed 2%. Finding countered. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the XXXX Constitution provision, which prohibits fees from exceeding 2%. - Buyer-08/07/2025 <br> Open-The XXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) XXXX Constitution prohibits fees from exceeding 2% on refinance loans - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989849 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:23 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXX, as well as the report used to generate this finding. - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXX5, as well as the report used to generate this finding. - Seller-08/13/2025 <br> Ready for Review-We provided the updated compliance report, which was run on XXXX, after the inspection fee was added. The report still reflects XXXX fees exceeding the 2% threshold per the Compliance XXXX report. We do not agree with this finding. - Seller-08/13/2025 <br> Counter-Inspection fee added at revised CD issued XXXX is causing XXXX fees to exceed 2%. Finding countered. - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Open- - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Please see the attached compliance report. The relevant section demonstrates that we are in compliance with the XXXX Constitution provision, which prohibits fees from exceeding 2%. - Buyer-08/07/2025 <br> Open-The XXXX Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) Texas Constitution prohibits fees from exceeding 2% on refinance loans - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXX, as well as the report used to generate this finding. - Seller-08/13/2025 <br> Ready for Review-Document Uploaded. We cannot, and should not, attempt to cure any findings that are not reflected in the compliance results report. Please review your compliance alerts on your end and compare them with the compliance report we ran on XXXX, as well as the report used to generate this finding. - Seller-08/13/2025 <br> Ready for Review-We provided the updated compliance report, which was run on XXXX, after the inspection fee was added. The report still reflects Texas fees exceeding the 2% threshold per the Compliance Mavent report. We do not agree with this finding. - Seller-08/13/2025 | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989850 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-07-30 02:21 | 2025-08-08 10:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Title Endorsements (T-2, T-19, T-17, T-42, T-42.1) Missing | Resolved-Lender provided LOX from Title company confirming relevant XXXX endorsements are added to Final Title policy. Policy has not been issued yet. Finding resolved. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Good afternoon.<br> The policy has not been issued yet. Endorsements do not reflect on the title commitment if that is what you are referring to.<br> T-17 does not apply, the property is not in a PUD.<br> T-2 is the name of the type of policy, not an endorsement.<br> T-19, T42, T42.1 were all collected for. <br> Please see attached email from the title company confirmation this. Please clear this finding. - Seller-08/07/2025 <br> Open-One or more of the docs T2, T19, T17, T42, T42.1 is Missing XXXX Title Endorsements are missing in file - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Good afternoon.<br> The policy has not been issued yet. Endorsements do not reflect on the title commitment if that is what you are referring to.<br> T-17 does not apply, the property is not in a PUD.<br> T-2 is the name of the type of policy, not an endorsement.<br> T-19, T42, T42.1 were all collected for. <br> Please see attached email from the title company confirmation this. Please clear this finding. - Seller-08/07/2025<br>| Resolved-Lender provided LOX from Title company confirming relevant XXXX endorsements are added to Final Title policy. Policy has not been issued yet. Finding resolved. - Due Diligence Vendor-08/08/2025 | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 4989844 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-08-13 13:36 | 2025-08-13 14:17 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5167427 | N/A | N/A |
| XXXX | XXXX |  | 304757430 | Closed | 2025-08-13 13:36 | 2025-08-13 14:17 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved-Resolved - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-Resolved - Due Diligence Vendor-08/13/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 5167428 | N/A | N/A |
| XXXX | XXXX |  | 304757429 | Closed | 2025-08-06 12:29 | 2025-08-06 12:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on page 1602 approved to use business income from 2 different bank accounts due to changing banks. - Due Diligence Vendor-08/06/2025 |  | Waived-Loan does not conform to program guidelines Exception on page 1602 approved to use business income from 2 different bank accounts due to changing banks. - Due Diligence Vendor-08/06/2025<br>| XXXX |  | Borrower(s) have 112.2 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 761. Minimum required per guidelines is 740.<br> Residual Income is $7938.65. Minimum Residual Income required per guidelines is $2500. <br> Housing history- 0x30x28 minimum per guidelines is 1x30x12 | CT | Primary Residence | Purchase | NA | 5079585 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304757429 | Closed | 2025-08-01 01:06 | 2025-08-06 12:28 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception page No#1599-1601 Approved for qualified assets of XXXX vs required minimum of 1.5 times loan amount or XXXX. Balance of qualified assets not to fall below current balance<br> XXXX. <br> - Due Diligence Vendor-08/01/2025 |  | Waived-Exception page No#1599-1601 Approved for qualified assets of XXXX vs required minimum of 1.5 times loan amount or XXXX. Balance of qualified assets not to fall below current balance<br> XXXX. <br> - Due Diligence Vendor-08/01/2025 | XXXX |  | Borrower(s) have 112.2 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 761. Minimum required per guidelines is 740.<br> Residual Income is $7938.65. Minimum Residual Income required per guidelines is $2500. <br>| CT | Primary Residence | Purchase | NA | 5018444 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304757429 | Closed | 2025-08-01 00:42 | 2025-08-06 12:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s496 and the Final Closing disclosure on Pg#'s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s702. An interior and exterior appraisal was completed for this property – see pg#79-90 the appraisal disclosure was provided to the borrower(s)- see Pg#'s69, 1193 , and confirmation the appraisal was delivered to the borrower – see Pg#'s70 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/01/2025 <br> Open- - Due Diligence Vendor-08/01/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s496 and the Final Closing disclosure on Pg#'s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s702. An interior and exterior appraisal was completed for this property – see pg#79-90 the appraisal disclosure was provided to the borrower(s)- see Pg#'s69, 1193 , and confirmation the appraisal was delivered to the borrower – see Pg#'s70 . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/01/2025 | XXXX |  |  | CT | Primary Residence | Purchase | NA | 5018377 | N/A | N/A |
| XXXX | XXXX |  | 304748509 | Closed | 2025-08-04 01:25 | 2025-08-06 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated HUD-1 provided. Resolved<br> - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Net sale Proceeds from real estate assets of XXXX has been wired to closing but not reflecting on Final HUD settlement statement. Updated HUD to be provided to show wired proceeds in adjustments with updated cash to close. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Updated HUD-1 provided. Resolved<br> - Due Diligence Vendor-08/06/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 5036214 | N/A | N/A |
| XXXX | XXXX |  | 304757410 | Closed | 2025-08-06 01:19 | 2025-08-21 12:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Re-opened due to running XXXX. Status changed back to resolved. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Resolved-Re-opened due to runningXXXX. Status changed back to resolved. - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 323 and the Final Closing disclosure on Pg#'s172, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 340. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25. The loan meets HPML guidelines, resolved - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/06/2025 |  | Resolved-Re-opened due to running XXXX. Status changed back to resolved. - Due Diligence Vendor-08/21/2025 <br> Resolved-Re-opened due to running XXXX. Status changed back to resolved. - Due Diligence Vendor-08/21/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 323 and the Final Closing disclosure on Pg#'s172, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 340. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 25, and confirmation the appraisal was delivered to the borrower – see Pg#'s 25. The loan meets HPML guidelines, resolved - Due Diligence Vendor-08/06/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5070245 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 03:41 | 2025-08-26 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated 1008. Finding resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Uploaded - Seller-08/25/2025 <br> Counter-Updated 1008 document not attached. Finding countered. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Uploaded - Buyer-08/15/2025 <br> Open-The 1008 document is missing from the loan file. 1008 was marked as missing due to difference in all other monthly payments provided as the amount of monthly payments on the 1008 document is XXXX, while monthly payments calculated through credit report are only XXXX. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/25/2025<br>| Resolved-Lender provided updated 1008. Finding resolved. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126819 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-19 08:55 | 2025-08-26 09:45 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided service provider list. Finding resolved. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/25/2025 <br>Open-Written settlement service provider list is missing from file. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/25/2025<br>| Resolved-Lender provided service provider list. Finding resolved. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5227915 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-14 09:15 | 2025-08-26 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided receipt confirmation of home loan toolkit. Finding resolved. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Please scroll to all pages. toolkit on page 3 - Buyer-08/25/2025 <br>Counter-Document provided is housing counselor list. Home loan toolkit is missing from file. Finding countered. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025 <br>Open-Home loan toolkit is missing from file. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025<br>| Resolved-Lender provided receipt confirmation of home loan toolkit. Finding resolved. - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5177535 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-14 08:57 | 2025-08-19 09:23 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/19/2025 <br>Resolved-Lender provided fully executed housing counselor list. Finding resolved. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025 <br>Open-Housing counselor list is missing from file. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-08/19/2025 <br>Resolved-Lender provided fully executed housing counselor list. Finding resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5176984 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 04:06 | 2025-08-19 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided initial CD. Finding resolved. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/15/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is not present in file, Disclosure is required for testing compliance. - Due Diligence Vendor-08/11/2025 |  | Resolved-Lender provided initial CD. Finding resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126924 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 04:07 | 2025-08-19 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided initial and revised LEs. Finding resolved. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/15/2025 <br>Open-Initial Loan Estimate is not present in file, Loan estimate is required for testing compliance. - Due Diligence Vendor-08/11/2025 |  | Resolved-Lender provided initial and revised LEs. Finding resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126926 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 04:11 | 2025-08-19 08:44 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed document signed at application date is required. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025<br>| Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-08/19/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126945 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 04:18 | 2025-08-18 10:18 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception Approved - Due Diligence Vendor-08/18/2025 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. DH Approves exception - Buyer-08/15/2025 <br> Open-Approved Exception in file for borrower employment tenure for less than XXXX Months being self employed in their own business. Borrower has been self employed for XXXX months CPA letter in file confirming business began XXXX. Business income deposits are on an increasing trend. Borrower is experienced in field, dentist, requiring significant formal education and licensing - Due Diligence Vendor-08/11/2025 |  | Waived-Exception Approved - Due Diligence Vendor-08/18/2025<br>| XXXX |  | DTI is 28.26%. Maximum allowed per guidelines is 50%.<br> Credit Score is 812. Minimum required per guidelines is 740.<br> Residual Income is $25800.76. Minimum Residual Income required per guidelines is $2500. <br>| OH | Primary Residence | Purchase | NA | 5126977 | Investor Post-Close | No |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 01:20 | 2025-08-18 04:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party that is within the 10 Business days from closing Provided, Updated & Condition resolved. - Due Diligence Vendor-08/18/2025 <br> Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Require a 3rd party Verification of Employment for borrower 2 within 10 days of closing either in form of VVOE or business entity search - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Uploaded - Seller-08/15/2025<br>| Resolved-Requested 3rd Party that is within the 10 Business days from closing Provided, Updated & Condition resolved. - Due Diligence Vendor-08/18/2025 <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126386 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 04:13 | 2025-08-18 04:48 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Invalid Condition as we have Sufficient reserves that covers the EMD amount hence updated & Condition Resolved. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. earnest money shown in section on L on final cd - Buyer-08/15/2025 <br> Open-Proof for Earnest Money of XXXX reflecting in final closing disclosure is not present in file, a proof or wire transfer or cancelled check is required to confirm the initial deposit from the borrower. - Due Diligence Vendor-08/11/2025 |  | Resolved-Invalid Condition as we have Sufficient reserves that covers the EMD amount hence updated & Condition Resolved. - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126952 | N/A | N/A |
| XXXX | XXXX |  | 304730933 | Closed | 2025-08-11 04:08 | 2025-08-18 03:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. uploaded - Seller-08/15/2025 <br>Open-Service provider list is required to determine the service opted by borrower during closing period (Necessary in Compliance for primary purchase transaction). - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. uploaded - Seller-08/15/2025<br>| Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 5126933 | N/A | N/A |
| XXXX | XXXX |  | 304734509 | Closed | 2025-08-11 01:00 | 2025-08-18 06:50 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-received mtg statement in other name with same address as bwr - resolved - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Uploaded - Buyer-08/15/2025 <br>Open-Housing History Does Not Meet Guideline Requirements As per 1003 Final & Fraud Report on Page No 705 Borrower Living with No Primary Housing Expense But Letter of Explanation from Owner of House is Missing in File Required when Borrower Lives with No Primary Housing Expense. - Due Diligence Vendor-08/11/2025 |  | Resolved-received mtg statement in other name with same address as bwr - resolved - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 5126323 | N/A | N/A |
| XXXX | XXXX |  | 304757427 | Closed | 2025-08-13 01:15 | 2025-09-06 15:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided updated Final 1003. Finding resolved. - Due Diligence Vendor-09/06/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/04/2025 <br> Ready for Review-Document Uploaded. Please find URLA uploaded again. - Buyer-09/04/2025 <br> Counter-Lender provided updated 1008 and lender calc worksheet. Unable to open Final 1003. Finding countered. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please find updated income calculator, 1008 and URLA. The asset amount was also updated by the UW. Slightly lower. Kindly please clear as presented with updated information, thank you. - Buyer-09/03/2025 <br> Counter-Upon review of Income, according to your Lender's income calculation worksheet on p. 754, asset depletion qualifying income is XXX, however on Final 1003 listed as XXXX is shown as qualifying income. Provide updated Lender's income calculation worksheet used to qualify XXXX. DTI without qualifying income of XXXX. Finding countered. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-The cash to close and down payment for this transaction came from a new XXXX for which the documentation was provided. The borrower also has liquid assets of XXX (XXXX) in the file, which cover the reserves requirement. The 401k account used for the asset depletion/income calculation was NOT used for any closing costs, down payment or reserves and the full balance is still available for asset utilization/income. Please rescind this finding. Thank you. - Buyer-08/15/2025 <br> Open-Audited DTI Exceeds Guideline DTI Calculated DTI is 56.13 where as tape data reflecting as 48.85 the difference is due to asset utilization income<br> Total Assets XXXX qualifying assets - XXXX2 Closing cost - XXXX Required reserves - XXXX down payment = XXXX / XXXX is qualifying income from asset utilization.<br> as per 1003 income is showing as XXXX<br>- Due Diligence Vendor-08/13/2025 |  | Resolved-Lender provided updated Final 1003. Finding resolved. - Due Diligence Vendor-09/06/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 5156869 | N/A | N/A |
| XXXX | XXXX |  | 304757427 | Closed | 2025-08-12 23:47 | 2025-08-13 07:50 | Resolved | 1 - Information A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXX broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - Due Diligence Vendor-08/13/2025 |  | Resolved-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. XXXX broker agreement contractually obligates the broker to comply with anti-steering. Finding resolved. - Due Diligence Vendor-08/13/2025 | XXXX |  |  | OR | Primary Residence | Purchase | NA | 5156525 | N/A | N/A |
| XXXX | XXXX |  | 304734810 | Closed | 2025-08-14 13:09 | 2025-08-25 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-LOE from borrower and Sec of State Provided, Resolved - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. CPA letter, tax preparer search, LOE from borrower and Sec of State <br> - Buyer-08/22/2025 <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. The bank statement provided is in the name of 'Above The Top Party Rentals' however there is no documentation in file to show the relationship between B1 and the business. - Due Diligence Vendor-08/14/2025 |  | Resolved-LOE from borrower and Sec of State Provided, Resolved - Due Diligence Vendor-08/25/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 5182736 | N/A | N/A |
| XXXX | XXXX |  | 304734810 | Closed | 2025-08-12 00:03 | 2025-08-18 02:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit signed prior to submission provided. Resolved - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Uploaded - Buyer-08/15/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Initial Business Purpose Affidavit is Missing. - Due Diligence Vendor-08/12/2025 |  | Resolved-Business Purpose Affidavit signed prior to submission provided. Resolved - Due Diligence Vendor-08/18/2025<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 5140602 | N/A | N/A |
| XXXX | XXXX |  | 304757426 | Closed | 2025-08-12 09:13 | 2025-09-09 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Purpose does not meet eligibility requirement(s) | Resolved-Updated property taxes based on post closing HUD. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. updated HUD1, city, county, school tax cert and updated first payment letter uploaded.<br> XXXX<br> - Buyer-09/09/2025 <br> Open-We have UW exception for 1 vacant unit at page #1025 as Subject is inferior XXXX with XXXX units currently tenant occupied and one under renovation. Reverse occupancy risk is mitigated. Minimum XXXX s per guideline version XXXX and matrix page #3 but calculated XXXX comes as XXXX. - Due Diligence Vendor-08/12/2025 |  | Resolved-Updated property taxes based on post closing HUD. - Due Diligence Vendor-09/09/2025<br>| XXXX |  | Credit Score is 677. Minimum required per guidelines is 670.<br> Borrower Housing History is 0X30, 50 Months. Housing History required per guidelines is 1X30, 12 months.<br> Borrower(s) have 19 months Reserves. Minimum required per guidelines is 6 months. | NY | Investment | Refinance | Cash Out - Other | 5145740 | N/A | N/A |
| XXXX | XXXX |  | 304757426 | Closed | 2025-08-12 08:22 | 2025-08-19 11:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Exception is on 1023 - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. UW Exceptions uploaded for review. XXXX approves exception. - Buyer-08/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception approved for bwr who does not own or rent a primary and required by XXXX guideline version XXXX and page #194. Bwr is living rent free in superior SFR residence per LOE from homeowner and address is validated on current loan documentation including credit, SSN search, and mortgage statement. Subject is inferior XXXX with 3 units currently tenant occupied and one under renovation. Reverse occupancy risk is mitigated - Due Diligence Vendor-08/12/2025 |  | Waived-Exception Approved - Due Diligence Vendor-08/19/2025<br>| XXXX |  | Credit Score is 677. Minimum required per guidelines is 660.<br> Borrower Housing History is 0X30, 50 Months. Housing History required per guidelines is 1X30, 12 months.<br> Borrower(s) have 18.83 months Reserves. Minimum required per guidelines is 6 months. | NY | Investment | Refinance | Cash Out - Other | 5144554 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757426 | Closed | 2025-08-12 09:14 | 2025-08-19 11:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. UW Exceptions uploaded for review. XXXX approves exception. - Buyer-08/14/2025 <br> Open-Loan does not conform to program guidelines We have UW Exception at page #1025 for terms of modification agreement and payment history indicate no pattern of delinquency and no characteristics per guides XXXX that would require a housing event seasoning to be applied. OK to proceed - Due Diligence Vendor-08/12/2025 |  | Waived-Exception Approved - Due Diligence Vendor-08/19/2025<br>| XXXX |  | Credit Score is 677. Minimum required per guidelines is 660.<br> Borrower Housing History is 0X30, 50 Months. Housing History required per guidelines is 1X30, 12 months.<br> Borrower(s) have 18.83 months Reserves. Minimum required per guidelines is 6 months. | NY | Investment | Refinance | Cash Out - Other | 5145776 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757414 | Closed | 2025-08-14 12:00 | 2025-08-18 06:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved, reviewed Not a XXXX . Resolved. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Not a XXXX loan. Please clear. - Buyer-08/15/2025 <br> Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Open. Provide Initial Business Purpose Affidavit. - Due Diligence Vendor-08/14/2025 |  | Resolved-Resolved, reviewed Not a XXXX . Resolved. - Due Diligence Vendor-08/18/2025 | XXXX |  |  | NH | Investment | Refinance | Cash Out - Home Improvement/Reno | 5181101 | N/A | N/A |
| XXXX | XXXX |  | 304757281 | Seller | 2025-11-28 14:18 | 2025-11-28 14:29 | Open | A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Open- - Due Diligence Vendor-11/28/2025 <br>Open- - Due Diligence Vendor-11/28/2025 <br>Open- - Due Diligence Vendor-11/28/2025 |  |  | XXXX |  |  | NC | Second Home | Refinance | Cash Out - Other | 6419366 | N/A | N/A |
| XXXX | XXXX |  | 304757281 | Seller | 2025-11-28 14:18 | 2025-11-28 14:29 | Open | A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Open- - Due Diligence Vendor-11/28/2025 <br>Open- - Due Diligence Vendor-11/28/2025 <br>Open- - Due Diligence Vendor-11/28/2025 |  |  | XXXX |  |  | NC | Second Home | Refinance | Cash Out - Other | 6419367 | N/A | N/A |
| XXXX | XXXX |  | 304757281 | Seller | 2025-11-28 14:18 | 2025-11-28 14:29 | Open | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-11/28/2025 <br>Open- - Due Diligence Vendor-11/28/2025 <br>Open- - Due Diligence Vendor-11/28/2025 |  |  | XXXX |  |  | NC | Second Home | Refinance | Cash Out - Other | 6419368 | N/A | N/A |
| XXXX | XXXX |  | 304757281 | Seller | 2025-11-28 14:29 | 2025-11-28 14:29 | Open | A | Compliance | TRID Tolerance | Fees: Limited | Open- - Due Diligence Vendor-11/28/2025 |  |  | XXXX |  |  | NC | Second Home | Refinance | Cash Out - Other | 6419437 | N/A | N/A |
| XXXX | XXXX |  | 304757281 | Seller | 2025-11-28 14:29 | 2025-11-28 14:29 | Open | A | Compliance | TRID Tolerance | Fees: Limited | Open- - Due Diligence Vendor-11/28/2025 |  |  | XXXX |  |  | NC | Second Home | Refinance | Cash Out - Other | 6419438 | N/A | N/A |
| XXXX | XXXX |  | 304776887 | Closed | 2025-08-19 06:59 | 2025-08-29 06:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Commercial BPO as per GL's uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/29/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX Secondary Valuation or Additional Valuation is missing in file - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/28/2025<br>| Resolved-Commercial BPO as per GL's uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/29/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 5225514 | N/A | N/A |
| XXXX | XXXX |  | 304776887 | Closed | 2025-08-19 06:09 | 2025-08-27 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The 1008 Page Loan Type is XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXX loan. Lender provided business purpose disclosure. Finding resolved. - Due Diligence Vendor-08/27/2025 <br> Resolved-Lender provided business purpose disclosure. Finding resolved. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit signed at closing. Seller cannot produce initial Business Purpose Affidavit, DH acknowledged. Please downgrade to Non-Material Grade 2<br> - Seller-08/26/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit is missing in file - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit signed at closing. Seller cannot produce initial Business Purpose Affidavit, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Seller-08/26/2025 | Resolved-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Lender provided business purpose disclosure. Finding resolved. - Due Diligence Vendor-08/27/2025 <br> Resolved-Lender provided business purpose disclosure. Finding resolved. - Due Diligence Vendor-08/27/2025 | XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 5224810 | N/A | N/A |
| XXXX | XXXX |  | 304776887 | Closed | 2025-08-19 07:06 | 2025-08-27 04:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested Settlement Statement Provided where Borrower is getting cash from refinance cash out hence we have sufficient reserves. - Due Diligence Vendor-08/27/2025 <br> Resolved- - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-08/26/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Loan program is "Cash-out refinance" and Final CD is missing in file - Due Diligence Vendor-08/19/2025 |  | Resolved-Requested Settlement Statement Provided where Borrower is getting cash from refinance cash out hence we have sufficient reserves. - Due Diligence Vendor-08/27/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 5225614 | N/A | N/A |
| XXXX | XXXX |  | 304776887 | Closed | 2025-08-19 07:12 | 2025-08-27 04:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Settlement Statement provided. Updated & Resolved. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-08/26/2025 <br>Open-TRID: Missing Final Closing Disclosure Final CD is missing in file - Due Diligence Vendor-08/19/2025 |  | Resolved-Settlement Statement provided. Updated & Resolved. - Due Diligence Vendor-08/27/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 5225689 | N/A | N/A |
| XXXX | XXXX |  | 304757418 | Closed | 2025-08-20 03:08 | 2025-08-29 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) XXXX affidavit provided for BP loan and updated to XXXX page, resolved. - Due Diligence Vendor-08/29/2025 <br> Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. BPA uploaded for review. - Buyer-08/28/2025 <br> Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Missing Business Purpose Affidavit Disclosure.<br> - Due Diligence Vendor-08/20/2025 |  | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) BP affidavit provided for BP loan and updated to XXXX page, resolved. - Due Diligence Vendor-08/29/2025 | XXXX |  |  | NV | Investment | Purchase | NA | 5243709 | N/A | N/A |
| XXXX | XXXX |  | 304757418 | Closed | 2025-08-20 03:14 | 2025-08-29 11:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - PCCD provided with corrected disbursement and per diem dates that align with notary date. Resolved. . - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-08/28/2025 <br> Open-TRID: Missing Final Closing Disclosure Additional clarification requested. Unable to determine if CD with issue date of XXXX is final CD or PCCD. Also per review DOT notary date is XXXX. CD issued XXXX has a disbursement date of XXXX. However, signature date is XXXX. Loan disbursement occurred prior to the date the borrower was contractually obligated to the transaction. - Due Diligence Vendor-08/25/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - PCCD provided with corrected disbursement and per diem dates that align with notary date. Resolved. . - Due Diligence Vendor-08/29/2025<br>| XXXX |  |  | NV | Investment | Purchase | NA | 5243735 | N/A | N/A |
| XXXX | XXXX |  | 304757913 | Closed | 2025-08-19 22:14 | 2025-08-29 10:06 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit signed at closing. Seller cannot produce initial Business Purpose Affidavit, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br>- Buyer-08/28/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit Disclosure missing in file - Due Diligence Vendor-08/20/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5242491 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757983 | Closed | 2025-08-20 03:30 | 2025-09-08 06:53 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved- - Due Diligence Vendor-09/08/2025 <br> Ready for Review-On this loan, there is no regulatory or liability concern here. It is a non-rescindable transaction, the borrower signed and acknowledged all figures, There is also no risk here on lender or investor side. Please rescind.<br> - Buyer-09/04/2025 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. - Due Diligence Vendor-08/20/2025 |  |  | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5243890 | N/A | N/A |
| XXXX | XXXX |  | 304757914 | Closed | 2025-08-20 01:08 | 2025-09-05 16:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved - Due Diligence Vendor-09/05/2025 <br> Ready for Review-XXXX agrees to accept based on additional reserves withheld in HUD at closing and following comp factors: XXXX FICO, XXXX, Experienced Investor - Buyer-09/04/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s) Provide Latest Assets Statements to Meet the Closing Requirement. - Due Diligence Vendor-08/20/2025 |  | Waived-Exception Approved - Due Diligence Vendor-09/05/2025<br>| XXXX |  | 715 FICO<br> 1.14 DSCR | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 5243103 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757914 | Closed | 2025-08-19 23:02 | 2025-08-29 10:06 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-08/28/2025 <br> Open-The 1008 Page Loan Type is 'XXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated XXXX in file. - Due Diligence Vendor-08/20/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 | XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 5242657 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757984 | Closed | 2025-08-21 04:50 | 2025-08-29 10:07 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXX Acknowledges - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Seller cannot produce, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-08/28/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide an executed Initial Business Purpose and Occupancy Affidavit Disclosure. Final Business Purpose and Occupancy Affidavit Disclosure dated 7/18/25 in file. - Due Diligence Vendor-08/21/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5261363 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757981 | Closed | 2025-08-19 23:09 | 2025-08-29 10:05 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit signed at closing. Seller cannot produce initial Business Purpose Affidavit, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br> - Buyer-08/28/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide the initial and final Business Purpose affidavit for the LLC. <br> - Due Diligence Vendor-08/20/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-08/29/2025 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5242678 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757424 | Closed | 2025-08-21 04:00 | 2025-09-16 10:08 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Exception Approved - Due Diligence Vendor-09/16/2025 <br> Waived-Formal exception in loan file. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please review upload. - Buyer-09/08/2025 <br> Open-Borrower 1 Paystubs Less Than XXXX Month Provided Less Than XXXX Month Paystubs Provided. Only one paystub provided. - Due Diligence Vendor-08/21/2025 |  | Waived-Exception Approved - Due Diligence Vendor-09/16/2025 <br>Waived-Formal exception in loan file. - Due Diligence Vendor-09/08/2025<br>| XXXX |  | 730 FICO<br> 45% DTI, Max is 50% | UT | Primary Residence | Refinance | Cash Out - Other | 5261117 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757424 | Closed | 2025-08-21 07:20 | 2025-09-08 15:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Full document doc type. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please review upload. the doc type to Alt doc for business bank statement as the worst-case doc type of the two jobs used to qualify - Buyer-09/08/2025 <br> Counter-Borrower has SE income and wage earner income. Doc type is considered XXXX. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Our final approval on XXXX shows that it is XXXX and the loan date on your website shows this as XXXX so I'm not sure what would be showing as XXXX. Will you please advise? - Buyer-09/04/2025 <br> Open-Evidence of Rate Lock Missing Lock confirmation provided reflects Income type as XXXX. However per review doc type is XXXX. - Due Diligence Vendor-08/21/2025 |  | Resolved-Full document doc type. - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5263002 | N/A | N/A |
| XXXX | XXXX |  | 304757424 | Closed | 2025-08-21 04:15 | 2025-09-05 02:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income Updated, Now DTI is within the Guidelines hence condition Resolved. - Due Diligence Vendor-09/05/2025 <br> Resolved- - Due Diligence Vendor-09/05/2025 <br> Ready for Review-There were no debts marked to be paid and the DTI in encompass and on the final docs was within guides. - Seller-09/04/2025 <br> Open-Audited DTI Exceeds Guideline DTI Back end DTI is greater than max allowed.<br> Per final 1003 the following debts would be paid off at close. <br> XXXX, XXXX, XXXX; XXXX, XXXX<br> Per review of final CD only prior mortgage was paid at close. Missing evidence the consumer debt listed above was paid off prior to close. - Due Diligence Vendor-08/21/2025 | Ready for Review-There were no debts marked to be paid and the DTI in encompass and on the final docs was within guides. - Seller-09/04/2025<br>| Resolved-Income Updated, Now DTI is within the Guidelines hence condition Resolved. - Due Diligence Vendor-09/05/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5261203 | N/A | N/A |
| XXXX | XXXX |  | 304757424 | Closed | 2025-08-21 04:15 | 2025-09-02 00:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Updated DOT page#3 shows Planned Unit Development Rider is selected & PUD Rider provided. Updated & Resolved. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/29/2025 <br>Open-The Deed of Trust is Incomplete Per appraisal property type is a PUD, Planned Unit Development Rider is not selected on section E of DOT provided. - Due Diligence Vendor-08/21/2025 |  | Resolved-Updated DOT page#3 shows Planned Unit Development Rider is selected & PUD Rider provided. Updated & Resolved. - Due Diligence Vendor-09/02/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5261196 | N/A | N/A |
| XXXX | XXXX |  | 304757424 | Closed | 2025-08-20 05:42 | 2025-09-02 00:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider for Subject property provided. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-08/29/2025 <br>Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-08/25/2025 |  | Resolved-PUD Rider for Subject property provided. - Due Diligence Vendor-09/02/2025<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5244978 | N/A | N/A |
| XXXX | XXXX |  | 304757424 | Closed | 2025-08-21 04:12 | 2025-08-27 02:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Provided 1003 shows check XXXX for SE income portion in section 1. - Due Diligence Vendor-08/27/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please review upload. - Seller-08/26/2025 <br> Open-The Final 1003 is Incomplete SE income portion in section 1 of the final 1003 provided is blank .. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please review upload. - Seller-08/26/2025<br>| Resolved-Provided 1003 shows check XXXX for SE income portion in section 1. - Due Diligence Vendor-08/27/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-08/27/2025 | XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5261188 | N/A | N/A |
| XXXX | XXXX |  | 304812764 | Closed | 2025-08-21 22:08 | 2025-08-26 02:55 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Open-Provide Lender Approval form as its missing in file. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5276185 | N/A | N/A |
| XXXX | XXXX |  | 304812764 | Closed | 2025-08-21 22:20 | 2025-08-26 02:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/26/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. updated 1003 with corrected income and start date. - Seller-08/25/2025 <br> Open-The Final 1003 is Incomplete Provide updated final 1003 as the provided one on page 528 not showing start date of business XXXX and our calculated income of XXXX is matching with 1008 page 571 and income sheet page 388, whereas final 1003 showing incorrect income of $XXXX, which leads to DTI difference in XXXX screen. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. updated 1003 with corrected income and start date. - Seller-08/25/2025<br>| Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/26/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-08/26/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 5276209 | N/A | N/A |
| XXXX | XXXX |  | 304818082 | Closed | 2025-08-25 03:07 | 2025-09-11 07:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Loan exception for DTI exceeding XXXX approved. Max DTI per guidelines XXXX and subject DTI is at XXXX. Debts omitted borrower paid most balances in full. Bank statements in file reflected the payments made.<br> Comp Factor<br> (1) FICO XXXX vs Minimum Qualifying FICO XXXX<br> (2) XXXX% LTV vs Maximum LTV XXXX% <br> (3) Post Close Reserves XXXX Months vs Minimum Reserves XXXX Months<br> - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Counter-Uploaded Exception Approved DTI XXXX. Page 167 XXXX shows payment of debts which match Page 279 Credit report: XXXX, XXXX, XXXX, XXXX. Please provide documentation following paid in full or Exception for DTI XXXX: XXXX payment XXXX and XXXX leaving remaining balance $XXXX, XXXX payment XXXX leaving remaining balance XXXX. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Counter-XXXX on XXXXX which matches balance of XXXX on credit report for XXXX. XXXX was due and have payment of XXX which totals XXXX0 and would not have paid off the debt of XXXX. Review debt to income is XXXX and exception is for XXXX. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Audited DTI of XXXX exceeds Guideline DTI of XXXX Audited qualifying monthly income XXX vs XXXX resulting DTI variance. All other monthly payments calculated are XXXX (XXXX). Audited DTI XXXX vs G/L Alt Doc Maximum DTI XXXX - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Waived-Loan exception for DTI exceeding XXXX approved. Max DTI per guidelines XXXX and subject DTI is at XXXX. Debts omitted borrower paid most balances in full. Bank statements in file reflected the payments made.<br> Comp Factor<br> (1) FICO XXXX vs Minimum Qualifying FICO XXXX<br> (2) XXXX LTV vs Maximum LTV XXXX <br> (3) Post Close Reserves XXXX Months vs Minimum Reserves XXXX Months<br> - Due Diligence Vendor-09/11/2025 | XXXX |  | <br> Comp Factor<br> (1) FICO 738 vs Minimum Qualifying FICO 700<br> (2) 76.56% LTV vs Maximum LTV 90% <br> (3) Post Close Reserves 11 Months vs Minimum Reserves 3 Months | CA | Primary Residence | Purchase | NA | 5296329 | Investor Post-Close | No |
| XXXX | XXXX |  | 304817791 | Closed | 2025-08-29 00:49 | 2025-09-03 17:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved. Leases provide and LOX for lease extensions. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. XXXX units total, 1 vacant per appraisal. XXX, XXXX and thenXXXX - Buyer-09/03/2025 <br> Open-Per XXXX correspondent matrices XXXX, Provide current lease agreements for the subject property units #XXXX. Lease Unit XXXX are in file. - Due Diligence Vendor-08/29/2025 |  | Resolved-Resolved. Leases provide and LOX for lease extensions. - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 5357025 | N/A | N/A |
| XXXX | XXXX |  | 304817791 | Closed | 2025-08-28 22:02 | 2025-09-03 16:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved. Doc provided. - Due Diligence Vendor-09/03/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. please use the attached - Buyer-09/03/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXX loan. Business Purpose disclosure signed prior to submission is missing from file.<br> - Due Diligence Vendor-08/29/2025 |  | Resolved-Resolved. Doc provided. - Due Diligence Vendor-09/03/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 5356544 | N/A | N/A |
| XXXX | XXXX |  | 304818043 | Closed | 2025-09-03 12:03 | 2025-09-18 10:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-resolved with upload - Due Diligence Vendor-09/18/2025 <br> Resolved- - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Can you please advise where the $XXXX recording fees are? The recording fees have remained $XXXX from initial LE to Final CD. - Seller-09/05/2025 <br> Open-The total amount of the 10% category fees (XXXX) has increased by more than 10% over the current baseline value of (XXXX). The total amount of fees in the 10% category cannot exceed (XXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Can you please advise where the $XXXX recording fees are? The recording fees have remained $XXXX from initial LE to Final CD. - Seller-09/05/2025 | Resolved-resolved with upload - Due Diligence Vendor-09/18/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 5398243 | N/A | N/A |
| XXXX | XXXX |  | 304818043 | Closed | 2025-09-03 12:03 | 2025-09-15 10:33 | Resolved | 1 - Information C A | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Resolved-Client clarification and documentation has been received and reviewed. Provided documentations suffices to clear pend. Resolved - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/11/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open-This is a XXXX Nonprime Home Loan. The loan's (XXXX) APR equals or exceeds the XXXX XXXX threshold of (XXXX). The difference is (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%). (XXXX. Gen. Stat. 36a-760(a)(7)) - Due Diligence Vendor-09/05/2025 <br> Open-Request to provide clarification for the XXXX - NONPRIME HOME LOAN, since there was limitation for interest rate, please provide Undiscounted rate document. - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Client clarification and documentation has been received and reviewed. Provided documentations suffices to clear pend. Resolved - Due Diligence Vendor-09/15/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 5398242 | N/A | N/A |
| XXXX | XXXX |  | 304818043 | Closed | 2025-09-03 10:24 | 2025-09-10 03:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet provided. Resolved - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing for XXXX - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025<br>| Resolved-Income Worksheet provided. Resolved - Due Diligence Vendor-09/10/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 5396197 | N/A | N/A |
| XXXX | XXXX |  | 304818043 | Closed | 2025-09-03 12:03 | 2025-09-08 10:26 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/08/2025 <br> Resolved- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open-As per Change circumstance issued dated XXXX on Loan Estimate has confirmed the borrower shopped for new title and escrow companies and switched. Original company was XXXX and they switched to XXXX, XXXX. Need cure documents to resolve the same. - Due Diligence Vendor-09/04/2025 <br> Open-There are ($XXXX) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Reopened with Mavent run - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 5398240 | N/A | N/A |
| XXXX | XXXX |  | 304818043 | Closed | 2025-09-03 12:03 | 2025-09-08 10:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # <br> 362, 336 and the Final Closing disclosure on Pg #149, Finding reflects escrows. Rate lock date was entered correctly – see Pg #144. An interior and exterior appraisal was completed for this property – see Pg #22, the appraisal disclosure was provided to the borrower Pg #21 and confirmation the appraisal was delivered to the borrower – see Pg #138. <br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/04/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Reopened with XXXX run - Due Diligence Vendor-09/08/2025 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # <br> 362, 336 and the Final Closing disclosure on Pg #149, Finding reflects escrows. Rate lock date was entered correctly – see Pg #144. An interior and exterior appraisal was completed for this property – see Pg #22, the appraisal disclosure was provided to the borrower Pg #21 and confirmation the appraisal was delivered to the borrower – see Pg #138. <br>The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/04/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-09/05/2025 | XXXX |  |  | CT | Primary Residence | Purchase | NA | 5398241 | N/A | N/A |
| XXXX | XXXX |  | 304817874 | Closed | 2025-09-03 22:41 | 2025-09-08 10:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present. Property at XXXX Is unimproved property so no insurance, only taxes of XXXX. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-The Final 1003 is Incomplete Final 1003 document shows negative cash flow - XXXX which includes mortgage payment XXXX, but proof for Tax & Insurance $XXXX is missing in file. Mortgage statement pg#340 shows escrow not made for taxes or insurance. Provide hazard insurance and property tax documents for investment property at XXXX to calculate negative cash flow per 1003 or Updated Final 1003 with correct negative cash flow. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-The Final 1003 is Present. Property at XXXX is unimproved property so no insurance, only taxes of XXXX. - Due Diligence Vendor-09/08/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5404245 | N/A | N/A |
| XXXX | XXXX |  | 304817874 | Closed | 2025-09-03 06:26 | 2025-09-09 08:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) Meets HPML guidelines - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s437 and the Final Closing disclosure on Pg#'s284, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s442. An interior and exterior appraisal was completed for this property – see pg#65, the appraisal disclosure was provided to the borrower(s)- see Pg#'s516, and confirmation the appraisal was delivered to the borrower – see Pg#'275x. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) Meets HPML guidelines - Due Diligence Vendor-09/08/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s437 and the Final Closing disclosure on Pg#'s284, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s442. An interior and exterior appraisal was completed for this property – see pg#65, the appraisal disclosure was provided to the borrower(s)- see Pg#'s516, and confirmation the appraisal was delivered to the borrower – see Pg#'275x. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/03/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5390585 | N/A | N/A |
| XXXX | XXXX |  | 304818038 | Closed | 2025-09-03 07:58 | 2025-09-11 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. packaged XXXX Statements and uploaded. tried to get them to print in order, hopefully that helps be less of an eye sore. - Seller-09/09/2025 <br> Counter-The file does not contain all of the XXXX to make up the required XXXX months required. Provide XXXX #XXXX for the period of XXXX. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-XXXX. program is XXXX. XXXX in file. - Seller-09/04/2025 <br> Open-Borrower 1 XXXX Missing Provide XXXX Statement #XXXX for period XXXX to verify the income deposits, Missing in File - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. packaged XXXX Statements and uploaded. tried to get them to print in order, hopefully that helps be less of an eye sore. - Seller-09/09/2025 <br> Ready for Review-XXXX month. XXXX. XXXX in file. - Seller-09/04/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-09/11/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 5392019 | N/A | N/A |
| XXXX | XXXX |  | 304757985 | Closed | 2025-09-02 23:02 | 2025-09-09 21:35 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit signed at closing. Seller cannot produce initial Business Purpose Affidavit, XXXX acknowledged. Please downgrade to Non-Material Grade 2<br>- Buyer-09/08/2025 <br> Open-The 1008 Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is ''. Business Purpose Affidavit is required for a XXXX loan. Provide initial and final Business Purpose Affidavit. Missing from file. - Due Diligence Vendor-09/03/2025 |  | Acknowledged-XXXX Acknowledges - Due Diligence Vendor-09/10/2025 | XXXX |  |  | CO | Investment | Purchase | NA | 5388251 | Investor Post-Close | No |
| XXXX | XXXX |  | 304757985 | Closed | 2025-09-02 22:55 | 2025-09-08 17:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-09/08/2025 <br>Open-The Final 1003 is Missing Provide initial and final 1003. Missing from file. - Due Diligence Vendor-09/03/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-09/08/2025<br>| XXXX |  |  | CO | Investment | Purchase | NA | 5388221 | N/A | N/A |
| XXXX | XXXX |  | 304818064 | Closed | 2025-09-04 05:01 | 2025-09-16 06:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD with correct prepayment value of $XXXX uploaded. Resolved. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. As per the Prepayment Rider on page#431 it is (XXXX)-month period on the amount prepaid that exceeds XXXX% of the original principal balance of the Note and 120 months hence selected the same but maximum prepayment amount showing as $XXXX where as in final CD $XXXX.<br> - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-PCCD with correct prepayment value of XXXX uploaded. Resolved. - Due Diligence Vendor-09/16/2025 | XXXX |  |  | MD | Investment | Purchase | NA | 5405758 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-16 02:26 | 2025-09-23 12:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided revised LE issued XXXX and COC for rate lock and lender credit decrease. Finding resolved. - Due Diligence Vendor-09/23/2025 <br> Resolved- - Due Diligence Vendor-09/23/2025 <br> Ready for Review-in review. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please review upload - Seller-09/22/2025 <br> Open-No COC or lender credits provided to cure the tolerance. - Due Diligence Vendor-09/16/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-09/22/2025<br>| Resolved-Lender provided revised LE issued XXXX and COC for rate lock and lender credit decrease. Finding resolved. - Due Diligence Vendor-09/23/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 5547778 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-09 19:55 | 2025-09-16 12:05 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Loan transaction is Purchase Primary, executed intent to proceed is missing from file. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025<br>| Resolved-Lender provided fully executed intent to proceed. Finding resolved. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5477270 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-03 02:33 | 2025-09-16 12:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice (Toolkit) Provided. - Due Diligence Vendor-09/16/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-09/15/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Home loan tool kit is missing in file. - Due Diligence Vendor-09/03/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice (Toolkit) Provided. - Due Diligence Vendor-09/16/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5389105 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-04 02:14 | 2025-09-16 12:05 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure document provided. - Due Diligence Vendor-09/16/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Buyer-09/15/2025 <br>Open-Homeownership counselling disclosure is missing in file. - Due Diligence Vendor-09/04/2025 |  | Resolved-Homeownership Counseling Disclosure document provided. - Due Diligence Vendor-09/16/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5404980 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-09 19:53 | 2025-09-16 12:02 | Resolved | 1 - Information B A | Credit | Doc Issue | Occupancy Certification is Missing | Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025 <br>Open-Occupancy affidavit is missing from file. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025<br>| Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5477255 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-09 19:52 | 2025-09-16 12:01 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided written settlement service provider list. Finding resolved. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025 <br>Open-Written settlement service provider list is missing from file. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025<br>| Resolved-Lender provided written settlement service provider list. Finding resolved. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5477249 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-03 06:33 | 2025-09-16 05:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserevs rae less than Gl required, and Provided updated bank statements, changes made in system, Finding Resolved - Due Diligence Vendor-09/16/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of XXXX month(s) Provide proof for bank statements for XXXX account XXXX. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025<br>| Resolved-Reserevs rae less than Gl required, and Provided updated bank statements, changes made in system, Finding Resolved - Due Diligence Vendor-09/16/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-09/16/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 5390681 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-03 07:05 | 2025-09-16 02:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate document provided. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025 <br>Open-Initial LE is missing. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please review upload - Seller-09/15/2025<br>| Resolved-Initial Loan Estimate document provided. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5391072 | N/A | N/A |
| XXXX | XXXX |  | 304825250 | Closed | 2025-09-04 02:13 | 2025-09-16 02:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please review upload - Buyer-09/15/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence didn't run XXXX. - Due Diligence Vendor-09/04/2025 |  | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-09/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 5404977 | N/A | N/A |
| XXXX | XXXX |  | 304763772 | Closed | 2025-09-09 07:22 | 2025-09-18 06:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements. Copy of wire received. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. uploaded proof of wire - Seller-09/16/2025 <br> Counter-We need to determine that sale proceeds were received. Final 1003 on page 638 is showing assets of XXXX which we need to document. Settlement statement on page 607 while showing Sellers Final, is not stamped or signed. Need to document sale proceeds were received. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-We don't need proof of deposit. The Final settlement is proof of the amount being paid to borrower, funds were going to be used by borrower to cover closing costs. Borrower received money instead. - Seller-09/12/2025 <br> Counter-The attached does not provide proof that the funds were received. Missing proof of receipt of sale proceeds from prior residence for XXXX. Need copy of wire or proof of deposit. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-uploaded PCCD as well. - Seller-09/10/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements. Missing proof of receipt of sale proceeds from prior residence for XXXX. Need copy of wire or proof of deposit. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. uploaded proof of wire - Seller-09/16/2025 <br>Ready for Review-We don't need proof of deposit. The Final settlement is proof of the amount being paid to borrower, funds were going to be used by borrower to cover closing costs. Borrower received money instead. - Seller-09/12/2025 <br>Ready for Review-uploaded PCCD as well. - Seller-09/10/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements. Copy of wire received. - Due Diligence Vendor-09/17/2025<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 5463408 | N/A | N/A |
| XXXX | XXXX |  | 304763772 | Closed | 2025-09-08 21:31 | 2025-09-18 07:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/18/2025 <br> Open-. - Due Diligence Vendor-09/18/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 476 and the Final Closing disclosure on Pg 269, Finding reflects escrows. Rate lock date was entered correctly – see Pg 262. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 548, and confirmation the appraisal was delivered to the borrower – see Pg 248. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 |  | Resolved-The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/18/2025 <br> Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 476 and the Final Closing disclosure on Pg 269, Finding reflects escrows. Rate lock date was entered correctly – see Pg 262. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 548, and confirmation the appraisal was delivered to the borrower – see Pg 248. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-09/09/2025 | XXXX |  |  | OR | Primary Residence | Purchase | NA | 5460395 | N/A | N/A |
| XXXX | XXXX |  | 304823698 | Closed | 2025-09-08 05:56 | 2025-09-08 06:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX%) APR equals or exceeds the Federal HPML threshold of (XXXX%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#400 and the Final Closing disclosure on Pg#207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#186. An interior and exterior appraisal was completed for this property – see pg #29, the appraisal disclosure is provided on Page #478, and confirmation the appraisal was delivered to the borrower – see Pg#179-180. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#400 and the Final Closing disclosure on Pg#207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#186. An interior and exterior appraisal was completed for this property – see pg #29, the appraisal disclosure is provided on Page #478, and confirmation the appraisal was delivered to the borrower – see Pg#179-180. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/08/2025 | XXXX |  |  | MD | Primary Residence | Purchase | NA | 5445430 | N/A | N/A |
| XXXX | XXXX |  | 304823698 | Closed | 2025-09-08 05:56 | 2025-09-08 06:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.11%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#400 and the Final Closing disclosure on Pg#207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#186. An interior and exterior appraisal was completed for this property – see pg #29, the appraisal disclosure is provided on Page #478, and confirmation the appraisal was delivered to the borrower – see Pg#179-180. The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-Under the Regulations adopted by the XXXX Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (XXXX) equals or exceeds the XXXX Higher-Priced Mortgage threshold of (8.11%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (XXX). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#400 and the Final Closing disclosure on Pg#207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#186. An interior and exterior appraisal was completed for this property – see pg #29, the appraisal disclosure is provided on Page #478, and confirmation the appraisal was delivered to the borrower – see Pg#179-180. The loan meets HPML guidelines, resolved.<br>- Due Diligence Vendor-09/08/2025 | XXXX |  |  | MD | Primary Residence | Purchase | NA | 5445429 | N/A | N/A |
| XXXX | XXXX |  | 304825257 | Closed | 2025-09-10 05:57 | 2025-09-19 05:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. The UW has notes on how they calculated income in the conlog notes:<br>INCOME: XXXX is not reading the schedule C. Uploaded it twice. It's reading it as Schedule D. Net earnings XXXX<br> - Buyer-09/18/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Borrower Income worksheet is Missing in file - Due Diligence Vendor-09/10/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-09/19/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5479183 | N/A | N/A |
| XXXX | XXXX |  | 304825257 | Closed | 2025-09-10 06:40 | 2025-09-15 14:21 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception available in page no #1556. approved to allow use of tax transcript provided by borrower via XXXX in lieu of transcripts - Due Diligence Vendor-09/10/2025 |  | Waived-Exception available in page no #1556. approved to allow use of tax transcript provided by borrower via XXXX in lieu of transcripts - Due Diligence Vendor-09/10/2025 | XXXX |  | Credit Score is 766. Minimum required per guidelines is 720.<br> LTV is 80%. Maximum allowed per guidelines is 90%.<br> Borrower(s) have 25.26 months Reserves. Minimum required per guidelines is 6 months.<br>| TX | Primary Residence | Purchase | NA | 5479671 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304825247 | Closed | 2025-09-12 01:27 | 2025-09-22 04:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Requested 1 Month Paystub Provided, Updated & Condition resolved. - Due Diligence Vendor-09/22/2025 <br> Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Paystub uploaded for review. - Buyer-09/19/2025 <br> Open-Borrower 1 Paystubs Missing Provide Recent Year Paystubs Missing in File as Underwriter on Page 315 Considered XXXX + YTD for Income Calculation. - Due Diligence Vendor-09/12/2025 |  | Resolved-Requested 1 Month Paystub Provided, Updated & Condition resolved. - Due Diligence Vendor-09/22/2025 <br>Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-09/22/2025<br>| XXXX |  |  | NC | Second Home | Purchase | NA | 5511561 | N/A | N/A |
| XXXX | XXXX |  | 304789544 | Closed | 2025-09-15 05:02 | 2025-09-22 04:34 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Proceeds from secured funds CD doc provided. Resolved - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Assets are from previous sale CD attached. Proof of EMD shown on subject final CD - Buyer-09/20/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Assets are not available provide sufficient assets . EMD amount proof also missing in the file. provide the same - Due Diligence Vendor-09/15/2025 |  | Resolved-Proceeds from secured funds CD doc provided. Resolved - Due Diligence Vendor-09/22/2025<br>| XXXX |  |  | CT | Investment | Purchase | NA | 5532008 | N/A | N/A |
| XXXX | XXXX |  | 304840468 | Closed | 2025-09-18 18:01 | 2025-10-07 18:50 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Prepayment Penalty on Closing Disclosure provided matches the prepayment penalty calculation on the Note. Resolved. <br> - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. attached - Buyer-10/06/2025 <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. - Due Diligence Vendor-09/19/2025 |  | Resolved-Prepayment Penalty on Closing Disclosure provided matches the prepayment penalty calculation on the Note. Resolved. <br> - Due Diligence Vendor-10/08/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5594438 | N/A | N/A |
| XXXX | XXXX |  | 304846230 | Closed | 2025-09-17 04:55 | 2025-09-25 08:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate document received, program confirmed. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. Rate lock uploaded - Seller-09/23/2025 <br>Open-Evidence of Rate Lock Missing Rate Lock document is missing with confirmation of loan program. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Rate lock uploaded - Seller-09/23/2025<br>| Resolved-Rate document received, program confirmed. - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5564640 | N/A | N/A |
| XXXX | XXXX |  | 304846230 | Closed | 2025-09-18 15:04 | 2025-09-25 08:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Document/clarification received. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. Closing Disclosure uploaded - Buyer-09/24/2025 <br>Open-Total gift funds received (page 612, 875) are not reflected as such on final CD. - Due Diligence Vendor-09/18/2025 |  | Resolved-Document/clarification received. - Due Diligence Vendor-09/25/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5593056 | N/A | N/A |
| XXXX | XXXX |  | 304846230 | Closed | 2025-09-17 04:54 | 2025-09-24 04:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated final 1003 with updated income provided, updated & condition resolved. - Due Diligence Vendor-09/24/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Updated 1003 and 1008 uploaded for review - Seller-09/23/2025 <br> Open-The Final 1003 is Incomplete Income on 1003 and 1008 is not matching where underwriter considered XXXX for DTI Calculation. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Updated 1003 and 1008 uploaded for review - Seller-09/23/2025<br>| Resolved-Requested updated final 1003 with updated income provided, updated & condition resolved. - Due Diligence Vendor-09/24/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5564630 | N/A | N/A |
| XXXX | XXXX |  | 304846230 | Closed | 2025-09-15 03:09 | 2025-09-24 04:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Requested B1 ID Provided, Updated & Condition Resolved. - Due Diligence Vendor-09/24/2025 <br> Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. ID uploaded - Seller-09/24/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Identification document is missing from file - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. ID uploaded - Seller-09/24/2025<br>| Resolved-Requested B1 ID Provided, Updated & Condition Resolved. - Due Diligence Vendor-09/24/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 5531628 | N/A | N/A |
| XXXX | XXXX |  | 304846230 | Closed | 2025-09-16 00:36 | 2025-09-18 14:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 627 and the Final Closing disclosure on Pg#'s 307, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 648. An interior and exterior appraisal was completed for this property – see pg 16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 45, and confirmation the appraisal was delivered to the borrower – see Pg#'s 728. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 |  | Resolved-The loan's (XXXX) APR equals or exceeds the Federal HPML threshold of (XXXX). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXX).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 627 and the Final Closing disclosure on Pg#'s 307, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 648. An interior and exterior appraisal was completed for this property – see pg 16, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 45, and confirmation the appraisal was delivered to the borrower – see Pg#'s 728. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-09/16/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 5547458 | N/A | N/A |
| XXXX | XXXX |  | 304844156 | Closed | 2025-09-19 07:41 | 2025-09-26 07:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-The receipt of the Hazard insurance for 360 Lake Seminary was sufficient to resolve the finding. The policy begins on XXXX which would mean the first payment is not due until XXXX. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Counter-The review found the property to be free and clear prior to the subject transaction; however, the property would still have taxes and insurance. The letter contained in the loan file stating the source of the cash to purchase the subject indicated the Borrowers refinance XXXX to purchase the subject. The evidence of the monthly or annual payments for these was not located in the loan file. It could not be validated that the - XXXX is the total for the taxes and insurance. It does not appear this is the total of the taxes and insurance. The Final Application for the Borrower reflects the taxes and insurance as XXXX with a rent loss of XXXX for XXXX. If this is true then it appears the property does have a mortgage attached and the evidence of the payment was not located in the loan file. The date of the purchase of XXXX as XXXX could not be validated. The XXXX date is the date of the letter written and signed by the Borrowers. The purchase of the property could have been prior to XXXX. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-If a property was owned free and clear, there would be no mortgage tradeline on the credit report which appears to be the case. The property was recently purchase and the borrower paid in cash. Documentation in file supports cash purchase then refinanced in XXXX. <br>- Seller-09/22/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. The guidelines for XXXX dated XXXX required a mortgage history for the Borrowers. If not on the credit report alternate documentation reflecting the most recent 12 month history should be provided. The Borrowers recently refinanced their primary residence to purchase an investment property at XXXX for cash and then refinanced XXXX to purchase the subject property. The loan file does not contain any mortgage history for either property. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-If a property was owned free and clear, there would be no mortgage tradeline on the credit report which appears to be the case. The property was recently purchase and the borrower paid in cash. Documentation in file supports cash purchase then refinanced in 8/2025. <br>- Seller-09/22/2025<br>| Resolved-The receipt of the Hazard insurance for XXXX was sufficient to resolve the finding. The policy begins on XXXX which would mean the first payment is not due until XXXX. - Due Diligence Vendor-09/26/2025 | XXXX |  |  | FL | Investment | Purchase | NA | 5598695 | N/A | N/A |
| XXXX | XXXX |  | 304844156 | Closed | 2025-09-18 04:45 | 2025-09-26 07:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-The receipt of the Hazard insurance for XXXX was sufficient to resolve the finding. The policy begins on XXXX which would mean the first payment is not due until XXXX. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Counter-The review found the property to be free and clear prior to the subject transaction; however, the property would still have taxes and insurance. The letter contained in the loan file stating the source of the cash to purchase the subject indicated the Borrowers refinance XXXX XXXX to purchase the subject. The evidence of the monthly or annual payments for these was not located in the loan file. It could not be validated that the - XXX is the total for the taxes and insurance. It does not appear this is the total of the taxes and insurance. The Final Application for the Borrower reflects the taxes and insurance as XXXX with a rent loss of XXXX for XXXX. If this is true then it appears the property does have a mortgage attached and the evidence of the payment was not located in the loan file. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-If a property was owned free and clear, there would be no mortgage tradeline on the credit report which appears to be the case. The property was recently purchase and the borrower paid in cash. Documentation in file supports cash purchase then refinanced in XXXX. <br>- Seller-09/22/2025 <br> Open-The Final 1003 reflects -$XXXX negative rental for XXXX. The loan file does not contain any evidence of the payment and lease. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Ready for Review-If a property was owned free and clear, there would be no mortgage tradeline on the credit report which appears to be the case. The property was recently purchase and the borrower paid in cash. Documentation in file supports cash purchase then refinanced in XXXX. <br>- Seller-09/22/2025 | Resolved-The receipt of the Hazard insurance for XXXX was sufficient to resolve the finding. The policy begins on XXXX which would mean the first payment is not due until XXXX. - Due Diligence Vendor-09/26/2025 | XXXX |  |  | FL | Investment | Purchase | NA | 5581285 | N/A | N/A |
| XXXX | XXXX |  | 304844156 | Closed | 2025-09-18 00:48 | 2025-09-26 06:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present. The documentation received was sufficient to resolve the finding. Completed 1003 - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Resolved-The documentation received was not sufficient to resolve the finding. Section 5 addressing the ownership in the last three years was still not completed for Borrower 1 as the answer to the questions for 5A are still incomplete. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. disregard comment, updated 1003 attached - Seller-09/22/2025 <br> Ready for Review-If no rental income was used to qualify, and full PITIA was applied, you can rebut the condition by stating that the income was not considered and therefore lease documentation is not required.<br>- Seller-09/22/2025 <br> Open-The Final 1003 is Missing The Final 1003 for Borrower 2 reflects the ownership of XXXX and and a letter of explanation from Borrower 1 and Borrower 2 indicated ownership of a primary residence; however, the REO Section does not reflect the same. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. disregard comment, updated 1003 attached - Seller-09/22/2025 <br>Ready for Review-If no rental income was used to qualify, and full PITIA was applied, you can rebut the condition by stating that the income was not considered and therefore lease documentation is not required.<br>- Seller-09/22/2025<br>| Resolved-The Final 1003 is Present. The documentation received was sufficient to resolve the finding. Completed 1003 - Due Diligence Vendor-09/26/2025 <br>Resolved-The documentation received was not sufficient to resolve the finding. Section 5 addressing the ownership in the last three years was still not completed for Borrower 1 as the answer to the questions for 5A are still incomplete. - Due Diligence Vendor-09/23/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 5580257 | N/A | N/A |
| XXXX | XXXX |  | 304840763 | Closed | 2025-09-22 10:08 | 2025-09-26 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-DTI still meets guidelines, 1003 reflects an incorrect amount for mortgage payment of investment REO which is causing a difference in DTI ratio. Lease on page 602. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see the attached 1008 with rent income listed. - Buyer-09/25/2025 <br> Open-The 1008 document is missing from the loan file. lease agreement at page #602 and rent receiving XXXX and XXXX%of rent is XXXX- current mortgage amount is XXXX at page #326, 1144, current rental income is XXXX due to rental income DTI discrepancy occurred. 1008 with rental income of XXXX is missing - Due Diligence Vendor-09/22/2025 |  | Resolved-DTI still meets guidelines, 1003 reflects an incorrect amount for mortgage payment of investment REO which is causing a difference in DTI ratio. Lease on page 602. - Due Diligence Vendor-09/26/2025<br>| XXXX |  |  | HI | Primary Residence | Purchase | NA | 5620124 | N/A | N/A |
| XXXX | XXXX |  | 304847021 | Closed | 2025-09-23 04:07 | 2025-10-01 03:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Requested Lease Agreement for Unit XXXX Provided, Updated & Condition Resolved. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/30/2025 <br> Open-The Lease Agreements are present for XXXX units including Units XXXX however the Lease Agreement is missing for Unit XXXX. - Due Diligence Vendor-09/23/2025 |  | Resolved-Requested Lease Agreement for XXXX Provided, Updated & Condition Resolved. - Due Diligence Vendor-10/01/2025 | XXXX |  |  | ME | Investment | Refinance | No Cash Out - Borrower Initiated | 5630414 | N/A | N/A |
| XXXX | XXXX |  | 304847021 | Closed | 2025-09-22 22:50 | 2025-09-24 02:17 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (Desk Review) Provided. - Due Diligence Vendor-09/24/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-09/23/2025 <br> Open-SECOND APPRAISAL/ VALUATION IS MISSING to meet Multifamily (XXXX) GL requirements. - Due Diligence Vendor-09/23/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than XXXX required secondary valuation. - Due Diligence Vendor-09/23/2025 |  | Resolved-Secondary Valuation or Additional Valuation (Desk Review) Provided. - Due Diligence Vendor-09/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/24/2025<br>| XXXX |  |  | ME | Investment | Refinance | No Cash Out - Borrower Initiated | 5629168 | N/A | N/A |
| XXXX | XXXX |  | 304840503 | Closed | 2025-09-24 00:49 | 2025-10-01 06:10 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Master policy provides walls in coverage - Due Diligence Vendor-10/01/2025 <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. Please see the attached - Buyer-09/30/2025 <br>Open-HO-6 Insurance Policy is Missing HO6 is missing from file . Premium updated from Invoice - Due Diligence Vendor-09/24/2025 |  | Resolved-Master policy provides walls in coverage - Due Diligence Vendor-10/01/2025 <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-10/01/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 5647632 | N/A | N/A |
| XXXX | XXXX |  | 304840762 | Closed | 2025-10-03 04:29 | 2025-10-10 05:18 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Waived. Exception approval provided. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception - Buyer-10/09/2025 <br> Open-Exception in file on page 1851 for the subject investment Property Area being more than XXXX Acres. The property as per the appraisal is XXXX acres as per DH guideline page 137 the investment property transactions are limited to XXXX acres. - Due Diligence Vendor-10/03/2025 |  | Waived-Waived. Exception approval provided. - Due Diligence Vendor-10/10/2025<br>| XXXX |  | DTI is 23.99%. Maximum allowed per guidelines is 55%.<br> LTV is 75%. Maximum allowed per guidelines is 80%.<br> Residual Income is $29582.77. Minimum Residual Income required per guidelines is $2500.  | MN | Investment | Purchase | NA | 5762476 | Originator Pre-Close | Yes |

---

## Exhibit 99.45

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.45**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304481897 | XXXX D A |
| XXXX |  | 304642257 | XXXX A |
| XXXX |  | 304498025 | XXXX A |
| XXXX |  | 304642321 | XXXX D A |
| XXXX |  | 304668498 | XXXX D A |
| XXXX |  | 304643904 | XXXX A D |
| XXXX |  | 304643806 | XXXX A D |
| XXXX |  | 304631960 | XXXX A D |
| XXXX |  | 304643835 | XXXX C A |
| XXXX |  | 304643803 | XXXX D A |
| XXXX |  | 304730971 | XXXX A D |
| XXXX |  | 304692822 | XXXX A D B |
| XXXX |  | 304692825 | XXXX D A B |
| XXXX | XXXX | 304702020 | XXXX C D A |
| XXXX |  | 304692876 | XXXX D A B |
| XXXX |  | 304704651 | XXXX A |
| XXXX |  | 304685765 | XXXX A C |
| XXXX |  | 304692820 | XXXX D A |
| XXXX |  | 304692887 | XXXX D A |
| XXXX |  | 304701957 | XXXX A D B |
| XXXX |  | 304692740 | XXXX A D B |
| XXXX |  | 304709104 | XXXX D C A |
| XXXX |  | 304719862 | XXXX A C |
| XXXX |  | 304719861 | XXXX D A |
| XXXX |  | 304709153 | XXXX A |
| XXXX |  | 304683196 | XXXX C A D |
| XXXX |  | 304702013 | XXXX A B |
| XXXX |  | 304701992 | XXXX D C A B |
| XXXX |  | 304685754 | XXXX D A B |
| XXXX |  | 304709112 | XXXX D A |
| XXXX |  | 304719790 | XXXX D A |
| XXXX |  | 304717787 | XXXX C A |
| XXXX |  | 304719826 | XXXX D A |
| XXXX |  | 304717844 | XXXX D A |
| XXXX |  | 304712940 | XXXX A D |
| XXXX |  | 304709068 | XXXX A D |
| XXXX |  | 304692796 | XXXX C D A B |
| XXXX |  | 304719784 | XXXX A |
| XXXX |  | 304734550 | XXXX C D A |
| XXXX |  | 304734542 | XXXX A C |
| XXXX |  | 304719820 | XXXX D A |
| XXXX |  | 304719944 | XXXX D A |
| XXXX |  | 304719812 | XXXX D A |
| XXXX |  | 304642173 | XXXX D A B |
| XXXX |  | 304734508 | XXXX A C B |
| XXXX |  | 304734266 | XXXX C A |
| XXXX |  | 304734722 | XXXX D A |
| XXXX |  | 304735886 | XXXX D A |
| XXXX |  | 304725156 | XXXX B A |
| XXXX |  | 304725149 | XXXX C A B |
| XXXX |  | 304730932 | XXXX A D |
| XXXX |  | 304757449 | XXXX A D |
| XXXX |  | 304726411 | XXXX C A B |
| XXXX |  | 304727998 | XXXX C A |
| XXXX |  | 304717835 | XXXX C A |
| XXXX |  | 304734506 | XXXX C A B |
| XXXX |  | 304736290 | XXXX C A B |
| XXXX |  | 304757624 | XXXX D A |
| XXXX |  | 304757451 | XXXX A D |
| XXXX |  | 304708126 | XXXX D C A |
| XXXX |  | 304752346 | XXXX C A |
| XXXX |  | 304748508 | XXXX A D |
| XXXX |  | 304732845 | XXXX A |
| XXXX |  | 304731335 | XXXX A D B |
| XXXX |  | 304734502 | XXXX A |
| XXXX |  | 304734500 | XXXX C A |
| XXXX |  | 304757453 | XXXX A |
| XXXX |  | 304730928 | XXXX D A |
| XXXX |  | 304757430 | XXXX A D B |
| XXXX |  | 304757448 | XXXX A |
| XXXX |  | 304757429 | XXXX B A |
| XXXX |  | 304748509 | XXXX A D |
| XXXX |  | 304755048 | XXXX A |
| XXXX |  | 304734524 | XXXX A |
| XXXX |  | 304768894 | XXXX A |
| XXXX |  | 304757410 | XXXX A |
| XXXX |  | 304730933 | XXXX D A B |
| XXXX |  | 304734509 | XXXX C A |
| XXXX |  | 304757427 | XXXX C A |
| XXXX |  | 304734810 | XXXX D A |
| XXXX |  | 304757426 | XXXX C A B |
| XXXX |  | 304747407 | XXXX A |
| XXXX |  | 304840488 | XXXX A |
| XXXX |  | 304757414 | XXXX D A |
| XXXX |  | 304750530 | XXXX A |
| XXXX |  | 304757281 | XXXX A |
| XXXX |  | 304768862 | XXXX A |
| XXXX |  | 304776887 | XXXX D A |
| XXXX |  | 304757418 | XXXX D A |
| XXXX |  | 304757913 | XXXX D A B |
| XXXX |  | 304757983 | XXXX A C |
| XXXX |  | 304757914 | XXXX D A B |
| XXXX |  | 304757984 | XXXX D A B |
| XXXX |  | 304757982 | XXXX A |
| XXXX |  | 304757981 | XXXX D A B |
| XXXX |  | 304757424 | XXXX C D A B |
| XXXX |  | 304812764 | XXXX C D A |
| XXXX |  | 304818082 | XXXX C A B |
| XXXX |  | 304817611 | XXXX A |
| XXXX |  | 304817791 | XXXX D A |
| XXXX |  | 304823824 | XXXX A |
| XXXX |  | 304818043 | XXXX D C A |
| XXXX |  | 304817874 | XXXX A D |
| XXXX |  | 304818038 | XXXX D A |
| XXXX |  | 304757985 | XXXX D A B |
| XXXX |  | 304818064 | XXXX A C |
| XXXX |  | 304825250 | XXXX C D A |
| XXXX |  | 304763772 | XXXX C A |
| XXXX |  | 304823698 | XXXX A |
| XXXX |  | 304828983 | XXXX A |
| XXXX |  | 304825257 | XXXX D A B |
| XXXX |  | 304825247 | XXXX D A |
| XXXX |  | 304789544 | XXXX C A |
| XXXX |  | 304840468 | XXXX A C |
| XXXX |  | 304846230 | XXXX D A |
| XXXX |  | 304844156 | XXXX D A |
| XXXX |  | 304840763 | XXXX D A |
| XXXX |  | 304826834 | XXXX A |
| XXXX |  | 304847021 | XXXX D A |
| XXXX |  | 304840503 | XXXX D A |
| XXXX |  | 304845620 | XXXX A |
| XXXX |  | 304828981 | XXXX A |
| XXXX |  | 304840762 | XXXX A C B |
| XXXX |  | 304849247 | XXXX A |
| XXXX |  | 304840760 | XXXX A |
| XXXX |  | 304820200 | XXXX A |
| XXXX |  | 304840179 | XXXX A |

---

## Exhibit 99.46

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm4-abs15g.htm)

**Exhibit 99.46**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304481897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 | XXXX |
| XXXX |  | 304642257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 | XXXX |
| XXXX |  | 304498025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| XXXX |  | 304642321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304668498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| XXXX |  | 304643904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304643806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304631960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  | XXXX |
| XXXX |  | 304643835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304643803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX |  | 304730971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304692822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXXX |
| XXXX |  | 304692825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | XXXX | 304702020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 83.38 | 83.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304692876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304704651 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304685765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.98 | 43.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX |  | 304692820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 | XXXX |
| XXXX |  | 304692887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0592 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0592 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304701957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304692740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 | XXXX |
| XXXX |  | 304709104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304719862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0047 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304719861 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX |  | 304709153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304683196 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.27 | 63.27 | XXXX | XXXX | .1275 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1275 | 82.0 | 0.18 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304702013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0867 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304701992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .1287 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1287 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304685754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304709112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX |  | 304719790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304717787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304719826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX |  | 304717844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | XXXX |
| XXXX |  | 304712940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0385 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0385 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304709068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304692796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX |  | 304719784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304734550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304734542 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304719820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX |  | 304719944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304719812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304642173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0050 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304734508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |  |  | XXXX |
| XXXX |  | 304734266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304734722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.6 | 58.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304735886 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304725156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 43.12 | 43.12 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304725149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 41.52 | 41.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304730932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304757449 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.86 | 77.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304726411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0417 | Broker Price Opinion (BPO) |  |  |  |  | XXXX | XXXX | .0417 | XXXX | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0417 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0417 | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304727998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 52.17 | 52.17 | XXXX | XXXX | .0783 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0783 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304717835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.09 | 35.09 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX |  | 304734506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304736290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .1016 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1016 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.7 | 61.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX |  | 304757451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX |  | 304708126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.44 | 69.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304752346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304748508 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 47.43 | 47.43 | XXXX | XXXX | .1383 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1383 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304732845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0333 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304731335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0400 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304734502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 48.28 | 48.28 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX |  | 304734500 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 69.33 | 69.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304730928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.0 | 40.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX |  | 304757430 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1998 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1998 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304757429 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.88 | 89.88 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304748509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0222 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0222 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304755048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304734524 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304768894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0171 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0171 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.74 | 89.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304730933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX |  | 304734509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0552 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304734810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 69.41 | 69.41 | XXXX | XXXX | .0011 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0011 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757426 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0719 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0719 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304747407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304840488 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX |  | 304757414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX |  | 304750530 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 73.47 | 73.47 | XXXX | XXXX | -.0102 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0102 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.11 | 45.11 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304768862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304776887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0316 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0316 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0367 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0367 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304757913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304757424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX |  | 304812764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304818082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.56 | 76.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304817611 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304817791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304823824 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX |  | 304818043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXXX |
| XXXX |  | 304817874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304818038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.65 | 67.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX |  | 304757985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304818064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX |  | 304825250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX |  | 304763772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 83.7 | 83.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX |  | 304823698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304828983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304825257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0224 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0224 | 97.0 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304825247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 3.5 | XXXX |
| XXXX |  | 304789544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0065 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0065 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304840468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX |  | 304846230 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 304844156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX |  | 304840763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 78.0 | 78.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304826834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 67.0 | 67.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304847021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0857 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0857 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304840503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304845620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.4 | XXXX |
| XXXX |  | 304828981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304840762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304849247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX |  | 304840760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 47.51 | 47.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX |  | 304820200 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 304840179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0032 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0032 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---