# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-150552
**Filing Date:** 2026-4
**Character Count:** 808036
**Document Hash:** da483bee430be29bb51955835758e643
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-150552.hdr.sgml**: 20260410

**ACCESSION NUMBER**: 0001193125-26-150552

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

**PUBLIC DOCUMENT COUNT**: 10

**CONFORMED PERIOD OF REPORT**: 20260410

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

**FILED AS OF DATE**: 20260410

**DATE AS OF CHANGE**: 20260410

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 26853514

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

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

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

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

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2026-CNF4
**(Exact name of issuing entity as specified in its charter)** 

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

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

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d45643dex991.htm) |
| 99.2 | [Clayton Conditions Report](d45643dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d45643dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d45643dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d45643dex995.htm) |

---

------

**SIGNATURES** 

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

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | April 10, 2026 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

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![LOGO](g45643dsp3.jpg)

![LOGO](g45643g0409124152480.jpg)

![LOGO](g45643g0409124152842.jpg)

**April 8, 2026**<br>**Due Diligence Narrative Report**<br>

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![LOGO](g45643dsp3.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *6* | |
|  **Data Compare Results** |  | **7** |  |
|  **Clayton Due Diligence Results** |  | **8** |  |
|  **Clayton Third Party Reports Delivered** |  | **9** |  |
|  **Appendix A: Credit Review Scope** |  | **10** |  |
|  **Appendix B: Origination Appraisal Assessment** |  | **13** |  |
|  **Appendix C: Regulatory Compliance Review Scope** |  | **16** |  |

---

PMT Loan Trust 2026-CNF4 Page \| 1 April 8, 2026

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![LOGO](g45643dsp3.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

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

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

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

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

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 255 residential loans selected for the PMT Loan Trust 2026-CNF4 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between January, 2026 and March, 2026. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 32 | 12.55% |
|  Correspondent Bulk | 139 | 54.51% |
|  Retail | 84 | 32.94% |
|  **Total** | **255** | **100.00%** |

---

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 2 April 8, 2026

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![LOGO](g45643dsp3.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 255 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 255 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 255 |  |

---

**SPONSOR ACQUISITION CRITERIA** 

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

**LOAN GRADING** 

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

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

![LOGO](g45643g0409124153186.jpg)

PMT Loan Trust 2026-CNF4 Page \| 3 April 8, 2026

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![LOGO](g45643dsp3.jpg)

**TPR COMPONENT REVIEW SCOPE** 

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

CREDIT REVIEW

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

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

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

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

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

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

PROPERTY VALUATION REVIEW

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Original Appraisal Assessment (255 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Value Supported Analysis (255 loans)

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

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

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

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

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

For further detail please refer to the PMTLT 2026-CNF4 Valuations Summary Report

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

PMT Loan Trust 2026-CNF4 Page \| 4 April 8, 2026

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![LOGO](g45643dsp3.jpg)

The scope of the compliance review performed is summarized below:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 5 April 8, 2026

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![LOGO](g45643dsp3.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

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

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

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

**DATA INTEGRITY** 

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

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

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

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

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

**DATA CAPTURE** 

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

PMT Loan Trust 2026-CNF4 Page \| 6 April 8, 2026

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![LOGO](g45643dsp3.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Appraisal Form Type | 121 | 52.55% |
|  Borrower 1 Self Employed Flag | 2 | 99.22% |
|  Borrower 1 Total Income | 16 | 93.73% |
|  Borrower 2 Self Employed Flag | 1 | 99.61% |
|  Cash Reserves | 104 | 59.22% |
|  Combined LTV | 2 | 99.22% |
|  Credit Report Date | 8 | 96.86% |
|  Debt to Income Ratio (Back) | 12 | 95.29% |
|  Original Appraisal Date | 2 | 99.22% |
|  Origination Date | 1 | 99.61% |
|  Product Type | 1 | 99.61% |
|  Property Type | 9 | 96.47% |
|  Representative Credit Score for Grading | 2 | 99.22% |
|  Total Monthly Income | 2 | 99.22% |

---

PMT Loan Trust 2026-CNF4 Page \| 7 April 8, 2026

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![LOGO](g45643dsp3.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 (255 loans)</u>

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 51 |  | 4 | 62 | **117** |
| **Final** | **B** |  | 9 | 7 | 110 | **126** |
| **Final** | **C** |  |  | 1 | 6 | **7** |
| **Final** | **D** |  |  |  | 5 | **5** |
| **Final** | **Total** | **51** | **9** | **12** | **183** | **255** |

---

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

**Initial and Final Credit Component Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 213 | 1 | 20 | 15 | **249** |
| **Final** | **B** |  | 2 |  | 1 | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  | 3 | **3** |
| **Final** | **Total** | **213** | **3** | **20** | **19** | **255** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 79 |  |  | 68 | **147** |
| **Final** | **B** |  | 3 | 5 | 92 | **100** |
| **Final** | **C** |  |  | 1 | 5 | **6** |
| **Final** | **D** |  |  |  | 2 | **2** |
| **Final** | **Total** | **79** | **3** | **6** | **167** | **255** |

---

**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 188 |  | 12 | 16 | **216** |
| **Final** | **B** |  | 22 | 11 | 2 | **35** |
| **Final** | **C** |  |  | 3 |  | **3** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **188** | **22** | **26** | **19** | **255** |

---

PMT Loan Trust 2026-CNF4 Page \| 8 April 8, 2026

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**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 9 April 8, 2026

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**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 11 April 8, 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 12 April 8, 2026

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**APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 13 April 8, 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 14 April 8, 2026

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

PMT Loan Trust 2026-CNF4 Page \| 15 April 8, 2026

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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

---

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

---

PMT Loan Trust 2026-CNF4 Page \| 18 April 8, 2026

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

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

---

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

---

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

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

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

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

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

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

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

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

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

PMT Loan Trust 2026-CNF4 Page \| 20 April 8, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF4 J16696** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *255* |
| ***Loans with Conditions:*** | *205* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**52 - Total Active Conditions** | |
| **16 - Material Conditions** | **16 - Material Conditions** |
| 3 - Credit Review Scope | 3 - Credit Review Scope |
|  | 1 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
| 10 - Property Valuations Review Scope | 10 - Property Valuations Review Scope |
|  | 2 - Category: Appraisal |
|  | 8 - Category: Value |
| 3 - Compliance Review Scope | 3 - Compliance Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Right of Rescission |
|  | 1 - Category: Texas Home Equity |
| **36 - Non-Material Conditions** | **36 - Non-Material Conditions** |
| 3 - Credit Review Scope | 3 - Credit Review Scope |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  | 3 - Category: FEMA |
| 30 - Compliance Review Scope | 30 - Compliance Review Scope |
|  | 1 - Category: Borrower's Interest |
|  | 22 - Category: RESPA |
|  | 5 - Category: Right of Rescission |
|  | 1 - Category: State Consumer Protection |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**378 - Total Satisfied Conditions** |  |
| 40 - Credit Review Scope | 40 - Credit Review Scope |
|  | 11 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Application |
|  | 6 - Category: Assets |
|  | 6 - Category: Credit/Mtg History |
|  | 2 - Category: DTI |
|  | 5 - Category: Income/Employment |
|  | 5 - Category: Insurance |
|  | 2 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
| 270 - Property Valuations Review Scope | 270 - Property Valuations Review Scope |
|  | 266 - Category: Appraisal |
|  | 4 - Category: Value |
| 68 - Compliance Review Scope | 68 - Compliance Review Scope |
|  | 14 - Category: Ability to Repay/Qualified Mortgage |
|  | 6 - Category: APR Tolerance |
|  | 2 - Category: Compliance Manual |
|  | 8 - Category: Documentation |
|  | 1 - Category: Federal Consumer Protection |
|  | 5 - Category: Right of Rescission |
|  | 2 - Category: State Consumer Protection |
|  | 30 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**5 - Total Waived Conditions** |  |
| 5 - Property Valuations Review Scope | 5 - Property Valuations Review Scope |
|  | 5 - Category: FEMA |

---

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

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF4 J16696** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *255* |
| ***Loans with Conditions:*** | *205* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50 months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 2 months. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.36%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $296118.59 or 72.52 months PITIA > min required of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.36%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $296118.59 or 72.52 months PITIA > min required of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.22% DTI with a max 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years in residence. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 33.08% is 11.92% below the 45% allowed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.93%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $203,688.93 > min required of $857 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Provide an<br>updated<br>AUS with<br>income for<br>Borrower 1:<br>Base<br>$6,598.80 +<br>Bonus<br>$1,114.58<br>with total<br>income of<br>$7,713.38.<br>AUS must<br>remain<br>Accept/<br>Eligible. | 3/27/2026:<br>Received<br>revised<br>AUS,<br>1008 and<br>1003,<br>verifying<br>DTI 41%. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 28 years and 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.06% LTV below guideline requirements of 80% per program. |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Credit | DTI | Satisfied B A | CRDDTI106 | Debt<br>Ratio<br>Exception<br>>5% and<br><10% | No | Lender<br>approved<br>DTI at 35%.<br>Clayton<br>calculated<br>income for<br>B1 7,713.38<br>+ B2<br>$4,307.33 =<br>$12,020.71.<br>Subject PITI<br>$2,855.90 +<br>other debt<br>$2,025.15 =<br>$4,881.05<br>resulting in<br>DTI of<br>40.61%.<br>Difference is<br>due to the<br>income for<br>B1, B1 Base<br>due to<br>borrower<br>returning to<br>work can use<br>pre leave<br>gross<br>monthly<br>income<br>"5303.3" per<br>the hourly<br>income<br>38.07 X 40 =<br>1,522.80 X<br>52 =<br>79,185.60 /<br>12 =<br>6,598.80 a<br>month<br>Bonus:<br>$14,500.00 +<br>$12,250.00 =<br>$26,750 / 24<br>= $1,114.58.<br>Other<br>Income<br>33629.77 +<br>12609.97 +<br>21956.02 =<br>68195.76 /<br>36 =<br>$1,894.33<br>Other<br>income is<br>not eligible<br>as it's due to<br>supplemental<br>furlough<br>income. | 3/27/2026:<br>Received<br>revised<br>AUS,<br>1008 and<br>1003,<br>verifying<br>DTI 41%. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have resided at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 28 years and 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.06% LTV below guideline requirements of 80% per program. |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 799 Minimum FICO is 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 17.33 below Max DTI is 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,838.61 or 0.37 months PITI , no reserves are required |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan approved<br>with PIW.<br>Clayton to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: required score 620- borrower representative score 760<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: coborrower owns her primary home for 23 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: b2 - 28 years at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $31,838.18 (10.95 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan approved<br>with PIW.<br>Clayton to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: required score 620- borrower representative score 760<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: coborrower owns her primary home for 23 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: b2 - 28 years at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $31,838.18 (10.95 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>documentation<br>to support<br>omitting<br>recurring<br>payment of<br>$4,425 to XXX<br>reflected on<br>bank statements<br>in file. If<br>included in DTI<br>back ratio<br>would increase<br>to 61.43%<br>which is above<br>tolerance of 3%.<br>If new DU AUS<br>ran,<br>recommendation<br>must remain<br>Approve/<br>Eligible. | 3/27/2026:<br>Received<br>LOX. It is<br>for<br>mother's<br>assisted<br>living<br>facility.<br>Not<br>obligated,<br>just does it<br>to help<br>out. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $271,322.51/ 83.89 months PITIA > min required of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA2704 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not<br>compliant | No | Document in<br>file shows list<br>was delivered<br>on XXX but the<br>list is missing.<br>Please provide<br>the list of<br>homeowners<br>counseling<br>organizations. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $271,322.51/ 83.89 months PITIA > min required of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Missing<br>documentation<br>to support<br>omitting<br>recurring<br>payment of<br>$4,425 to XXX<br>reflected on<br>bank statements<br>in file. If<br>included in DTI<br>back ratio<br>would increase<br>to 61.43%<br>which is above<br>tolerance of 3%.<br>If new DU AUS<br>ran,<br>recommendation<br>must remain<br>Approve/<br>Eligible. | 3/27/2026:<br>Received<br>LOX. It is<br>for<br>mother's<br>assisted<br>living<br>facility.<br>Not<br>obligated,<br>just does it<br>to help<br>out. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $271,322.51/ 83.89 months PITIA > min required of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Provide<br>LOX for<br>rents<br>received<br>via XXX<br>on XXX

#XXX<br>statement. | 3/27/2026:<br>Received<br>LOX.<br>Rents are<br>from a<br>roommate.<br>This is<br>acceptable. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted in credit history since October 2016.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.12 is lower than max allowed 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $91,794.15 exceed AUS reserve requirement of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 exceeds minimum of 620. |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted in credit history since October 2016.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.12 is lower than max allowed 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $91,794.15 exceed AUS reserve requirement of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 exceeds minimum of 620. |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments noted in credit history since October 2016.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.12 is lower than max allowed 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of $91,794.15 exceed AUS reserve requirement of $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 exceeds minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 9.77% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $556,662.50 / 191.82 months PITIA > min required of $3,621. |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV is below guideline maximum of 90%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x 30 day mortgage late |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: in documented assets, borrowers have $62,584.87 in reserves post close or 9 months reserves. Zero were required. $62,584.87/6555.65= 9<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV is below the 80% maximum allowed for cashout refi<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 credit score exceeds program 620 minimum |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | DU<br>returned<br>2.6<br>score.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.96% is below guideline maximum 50% upon AUS approval.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.23%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 97%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $13,604.24 / 5.76 months PITIA > min required of $0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned XXX business over 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $216,108.61 > $22,014.65 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 725 is 105 points above the 620 required.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Subject Property appraisal rents $2100 for 2nd Unit not used in qualifying.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 37.05% is 7.95% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>not<br>established.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 782 is greater than the minimum required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.15%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,867,513.86 / 273.85 months PITIA is greater the the required reserves of $41,580.09 |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 fico exceeds 620 minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years in current home.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 fico exceeds 620 minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years in current home.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have60 months mortgage payment history 0x30.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in business since 08/16/2014<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Documentation | Satisfied D A | CMPDOC5551 | Missing<br>sufficient<br>documentation<br>to determine<br>the QM Fee<br>limit, QM<br>APR and/or<br>TIL/State<br>Higher-Priced<br>APR or State<br>regulation fee<br>tests | No | File is<br>missing<br>final<br>signed<br>and<br>executed<br>CD at<br>closing. | (No Data) | (No Data) | Hybrid | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.39% DTI below 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Documentation | Satisfied D A | CMPDOC5553 | Missing<br>sufficient<br>documentation<br>to determine<br>High Cost<br>Fees and APR<br>Limits | No | File is<br>missing<br>final<br>signed<br>and<br>executed<br>CD at<br>closing. | (No Data) | (No Data) | Hybrid | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.39% DTI below 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Federal<br>Consumer<br>Protection | Satisfied C A | CMPFDCP2109 | ROR -<br>Unknown<br>latest TIL<br>date; cannot<br>determine<br>whether<br>borrower was<br>provided their<br>full rescission<br>period | No | File is<br>missing<br>final<br>signed<br>and<br>executed<br>CD at<br>closing. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.39% DTI below 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period | No | File is<br>missing<br>final<br>signed<br>and<br>executed<br>CD at<br>closing. | 3.27.2026 -<br>CD issued<br>XXX reflects<br>DD of XXX<br>and earliest<br>expiration<br>date per ROR<br>is<br>XXX.4.2.2026<br>- FInal ALTA<br>with DD of<br>XXX<br>provided | 3.27.2026 -<br>Exception<br>remains4.2.2026<br>-Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.39% DTI below 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $52,168.45- $17,620.89 funds to close = $34,547.56 reserves.No reserves required. |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 mid score > min required of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borrower has 11 years at primary residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 14 years job time |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial<br>S&P<br>Condition<br>Grade** | **Final<br>S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit use ratio is 10.72%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 749 exceeds minimum is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% less than max 95%. |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $24,185.17 or 4 months of PITI in reserves. $0 reserves required.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has a documented history of OT income that was not used<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 819, guideline 620 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Both borrowers have been on the job for several years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 95% program maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 credit score is above the 620 program minimum |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit usage score is 7.16%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower min score is 798 guideline min score is 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI is 40.58 with guideline DTI max 45% per deal sheet |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 739 exceeds 620 minimum FICO<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 62 months of PITI ($3850.10) reserves verified, documented assets $240531.33<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% below maximum 95%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit usage 7.42%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 31.86% less than maximum 45% |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 739 exceeds 620 minimum FICO<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 62 months of PITI ($3850.10) reserves verified, documented assets $240531.33<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% below maximum 95%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers credit usage 7.42%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 31.86% less than maximum 45% |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16.1 years at current/departing residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 48.93% DTI below 51% per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds minimum 620 score. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16.1 years at current/departing residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 48.93% DTI below 51% per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds minimum 620 score. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.11%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period | No | ROR signed<br>XXX with<br>expiration<br>date of XXX,<br>final CD<br>disbursement<br>date is XXX.<br>Disbursement<br>Date is<br>before end of<br>statutory<br>rescission<br>period. | 3.27.2026<br>- PCCD<br>and Final<br>ALTA<br>with DD<br>XXX<br>received. | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.77% is lower than max allowed 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 735 exceeds minimum FICO of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 34.62% is lower than max allowed 80%. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Title | Satisfied C A | CRDTIL875 | Title Does<br>Not Agree<br>With<br>Mortgage | No | Final title<br>supplement<br>for<br>commitment<br>provided<br>dated XXX<br>states loan<br>coverage of<br>$XXX. Note<br>amount<br>closed at<br>$XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.77% is lower than max allowed 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 735 exceeds minimum FICO of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 34.62% is lower than max allowed 80%. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA or CU<br>score is ><br>2.5; Clayton<br>to order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.77% is lower than max allowed 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 735 exceeds minimum FICO of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 34.62% is lower than max allowed 80%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW;<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.53% is below 45% threshold.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.53% is below 45% threshold.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 3/25/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4/6/2026:<br>Received<br>Report<br>2055 Ext<br>only<br>supporting<br>value. | 4/6/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 19.53% is below 45% threshold.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing<br>Hazard<br>Insurance | No | Missing<br>evidence<br>of master<br>condo<br>insurance. | 3/27/2026:<br>Received<br>Condo<br>HOI dec<br>page. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: $2,195.10 in monthly bonus income for primary borrower<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: >14 years on job for primary. |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum debt ratio is 45%. Verified debt ratio is 29.24%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $267,463.36 or 43 months of PITI.Required PITI reserves $0.00<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Documented rental income of $5,670.3 not used to offset investment property ownership.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum FICO is 620. Approved FICO is 809. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.6%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $93,498.05 / 31.18 months PITIA. No reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have72 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.6%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $93,498.05 / 31.18 months PITIA. No reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have72 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>document<br>is<br>missing,<br>Clayton<br>to order<br>desk<br>review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history good with no derogatory events<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 714/minimum is 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 44.48/ maximum is 50% |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.08% DTI with a 50% max allowed per guides.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 score exceeds 620 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.3 years time in residence. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support docs<br>for VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Missing<br>verification<br>of HOA dues<br>for subject<br>property in<br>the<br>anticipated<br>amount of<br>$37.50/month | 3/27/2026:<br>HOA docs<br>received<br>are for<br>REO on<br>XXX.<br>Need<br>subject<br>HOA.<br>Clayton<br>verified<br>$450<br>annual<br>HOA on<br>XXX. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting in full credit history back from 2/25/10.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $18,789.07 (5.33 months PITIA reserves) > min required of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 766 exceeds minimum required 620. |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No lates reporting in full credit history back from 2/25/10.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $18,789.07 (5.33 months PITIA reserves) > min required of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 766 exceeds minimum required 620. |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 84%Minimal usage of available revolving credit lines @ 3.48% |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 84%Minimal usage of available revolving credit lines @ 3.48% |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $5335.08<br>Zero<br>tolerance due<br>increase in<br>Discount<br>points from<br>$6938.80 to<br>$11476.08<br>without a<br>valid COC.<br>Requires<br>CoC, or<br>corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification<br>of shipping. | 3.27.2026<br>-COCs<br>provided | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.25%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,083.92 / 3.83 months PITIA > min required of $0.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.50% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Terms/<br>Guidelines | Active B | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | No | Missing<br>letter of<br>explanation<br>for credit<br>report<br>inquiries<br>on<br>10/8/2025<br>with XXX.<br>Additional<br>conditions<br>may apply. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.25%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,083.92 / 3.83 months PITIA > min required of $0.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.50% |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review. | 3/27/2026:<br>received<br>CDA<br>supporting<br>value. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.25%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $10,083.92 / 3.83 months PITIA > min required of $0.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.50% |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>was not<br>provided in<br>the file.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $85,933.90 verified reserves when $0 are required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 17+ years time on job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.20% DTI with a 43% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 yrs 10 months in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 score exceeds 620 minimum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.20% DTI with a 43% max allowed.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 yrs 10 months in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 705 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been in current Job for over 8 years |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.74% is below guideline maximum 50% upon AUS approval.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.11%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $24,265.59 / 5.81 months PITIA > min required of $0. |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.74% is below guideline maximum 50% upon AUS approval.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 789 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.11%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $24,265.59 / 5.81 months PITIA > min required of $0. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/27/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 625 exceeds minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since October 2017.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payment report in credit history starting August 2010. |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/27/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 625 exceeds minimum credit score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 since October 2017.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payment report in credit history starting August 2010. |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>desk<br>review.. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $93,744.65 or 19.07 PITI. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 112 months > max permitted of 0 X 30 X 12 months |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score not<br>provided.<br>Clayton<br>to order<br>desk<br>review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.04%<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has12 months mortgage payment history 0x30.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has other documented income we are not using for qualifying. It is labeled XXX on the paystub. The written VOE shows it has been received for the last 2 years. Comp. factor only.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 26+ years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11+ years on current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers qualifying credit score is 778, the minimum is 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.51%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has33 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11+ years on current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers qualifying credit score is 778, the minimum is 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 11.51%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has33 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP.<br>Clayton to<br>order Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $218,205.43 or 39.49 months PITIA > min required of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.73% |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected<br>CD<br>should<br>have been<br>provided;<br>Change of<br>Product<br>or<br>Product<br>Feature<br>not<br>disclosed<br>at least 3<br>business<br>days prior<br>to closing | No | No<br>Confirmation<br>of Reciept of<br>Initial CD<br>Dated XXX at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX.<br>Please provide<br>Confirmation<br>of Receipt of<br>Initial CD. | 3.27.2026<br>-ICD<br>received | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report reflects no late mortgage payments<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory events reflecting on credit report<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18% is within maximum allowable guideline limit |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | No<br>Confirmation<br>of Reciept of<br>Initial CD<br>Dated XXX at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX.<br>Please provide<br>Confirmation<br>of Receipt of<br>Initial CD. | 3.27.2026 -<br>ICD<br>received | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report reflects no late mortgage payments<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory events reflecting on credit report<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18% is within maximum allowable guideline limit |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Provide fully<br>executed Final<br>ALTA for sale<br>of previous<br>residence to<br>verify funds<br>noted on Final<br>1003 to cover<br>funds to close<br>for this<br>transaction. | 3/27/2026:<br>Received<br>Final ALTA<br>showing<br>$196,143.49<br>net<br>proceeds to<br>Title for this<br>transaction.<br>Left<br>original<br>estimated in<br>system. All<br>parameters<br>met. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report reflects no late mortgage payments<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory events reflecting on credit report<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18% is within maximum allowable guideline limit |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report reflects no late mortgage payments<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory events reflecting on credit report<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18% is within maximum allowable guideline limit |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Credit report reflects no late mortgage payments<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no derogatory events reflecting on credit report<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18% is within maximum allowable guideline limit |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not in file | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 707/minimum 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.92%/maximum 90% |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Clayton to<br>order Desk<br>Review. CU<br>score is >2.5 | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 707/minimum 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is good with no derogatory events<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.92%/maximum 90% |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 620<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 32 months. |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 759 mid score > min required of 620<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 32 months. |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | Third party<br>valuation not<br>provided.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 3/25/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 7 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 fico exceeds minimum 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current employer. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/25/2026:<br>Exception<br>fired after<br>review of<br>trailing<br>docs:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 fico exceeds minimum 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current employer. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 24.53 is below guideline maximum of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 763 exceeds guidelines of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 days late in the past 12 months |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $29,453.36 or 8.18 months of P&I (or PITI if required)Required P&I (or PITI if required) Reserves are $29,453.36 x 0 months required = $29,453.36<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with the start date of 1994, she has been in this job for 27 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 27 years and 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.213%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 748 FICO score. Minimum required 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $29,453.36 or 8.18 months of P&I (or PITI if required)Required P&I (or PITI if required) Reserves are $29,453.36 x 0 months required = $29,453.36<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with the start date of 1994, XXX has been in this job for 27 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 27 years and 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.213%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 748 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Unable to<br>complete<br>APR<br>testing due<br>to missing<br>MI Cert | 3/27/2026:<br>Received<br>MI cert.<br>AQuto-<br>satisfied<br>after entry | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed since 2003 with same employer<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: B2 works but XXX income was not considered in this loan approval<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Missing<br>MI cert | 3/27/2026:<br>Received<br>MI cert. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed since 2003 with same employer<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: B2 works but her income was not considered in this loan approval<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Right of<br>Rescission | Satisfied D A | CMPROR5345 | ROR -<br>Missing or<br>Incomplete<br>Right of<br>Rescission<br>form | No | ROR is<br>incomplete<br>due to<br>being<br>Unsigned | 3.27.2026<br>-Signed<br>ROR<br>provided | 3.27.2026<br>-<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed since 2003 with same employer<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: B2 works but XXX income was not considered in this loan approval<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score exceeds minimum of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed since 2003 with same employer<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: B2 works but XXX income was not considered in this loan approval<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Unable<br>to<br>calculate<br>correct<br>APR due<br>to<br>missing<br>MI Cert. | 3/27/2026:<br>Received<br>MI cert. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 36.85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.46% is below guideline maximum 50% upon AUS approval.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing payment decrease of 10%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Missing<br>evidence<br>of MI<br>coverage<br>of 25%<br>or 12%<br>custom<br>MI<br>coverage.<br>LTV is ><br>80%. | 3/27/2026:<br>Received<br>MI cert. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 36.85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.46% is below guideline maximum 50% upon AUS approval.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing payment decrease of 10%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 36.85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.46% is below guideline maximum 50% upon AUS approval.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Housing payment decrease of 10%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order<br>deskreview. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $4,376,357.98 or 808.04 months of PITIA 0 months required<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 769 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.09% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; guidelines allow 90%. |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR —<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Missing MI<br>Cert, no MI<br>Certificate<br>to use for<br>payment<br>stream<br>calculation. | 3/27/2026:<br>Received<br>MI Cert. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.73%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.69% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Missing MI<br>Certificate. | 3/27/2026:<br>Received<br>MI Cert. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.73%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.69% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.73%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.69% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.34%; guidelines allow 80%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 27 years. |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.34%; guidelines allow 80%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 27 years. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID4579 | TRID —<br>CD:<br>Missing<br>Initial CD | No | Per<br>Document<br>Package<br>Audit<br>Report,<br>the Initial<br>CD dated<br>XXX was<br>sent out to<br>borrowers<br>but it is<br>not in the<br>file.<br>Provide<br>missing<br>initial CD<br>dated<br>XXX. | 3.27.2026<br>— ICD<br>received | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 723 exceeds min of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $36,186.45 or 21.18 months of PITI. No required reserves.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in XXX profession for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 95%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 723 exceeds min of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $36,186.45 or 21.18 months of PITI. No required reserves.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in XXX profession for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 95%. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 723 exceeds min of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $36,186.45 or 21.18 months of PITI. No required reserves.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in XXX profession for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV of 80% is below the max allowed of 95%. |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>was not<br>provided.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been in the same profession for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid sore > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 28.25% is 16.75% below the 45% allowed. |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Level 2:<br>FEMA<br>Declaration<br>for XXX<br>XXX and<br>appraisal<br>date XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been in the same profession for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid sore > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI (Back) of 28.25% is 16.75% below the 45% allowed. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR —<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | MI Cert<br>missing<br>from file | 3/27/2026:<br>Received<br>MI Cert.<br>Auto-<br>satisfied<br>after info<br>entered. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: credit utilization is 12%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrs mid score 777 exceeds min required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Oldest trade over 232 months, 21 active trades |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Provide MI<br>Cert. | 3/27/2026:<br>Received<br>MI Cert. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: credit utilization is 12%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrs mid score 777 exceeds min required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Oldest trade over 232 months, 21 active trades |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Provide<br>latest AUS<br>to show<br>85.64%<br>LTV and<br>requirement<br>for MI. DU

#3 in the<br>file shows<br>74% LTV. | 3/27/2026:<br>Received<br>DU #4 A/<br>E at 86%<br>LTV. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: credit utilization is 12%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrs mid score 777 exceeds min required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Oldest trade over 232 months, 21 active trades |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP.<br>Clayton to<br>order Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: credit utilization is 12%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrs mid score 777 exceeds min required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Oldest trade over 232 months, 21 active trades |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.21%, guideline 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 753 exceeds guideline of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 25 months mortgage payment history reflects all payments made on time |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.21%, guideline 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 753 exceeds guideline of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 25 months mortgage payment history reflects all payments made on time |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>not<br>provided.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 Credit score > 620 required score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18 years - Borrower has significant time at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years 6 months — Significant time at current residence |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $1,542,301.27 verified from one investment account with no reserves required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit usage at 1% per CR.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history with 1x30 since 2007 per CR. One late in 11/2023. |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | AUS<br>PIW<br>approved<br>loan,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 3 trade lines open with balances. credit usage ratio is .56%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 814 exceeds minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25% is below the max DTI 45% limit |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has 3 trade lines open with balances. credit usage ratio is .56%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 814 exceeds minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25% is below the max DTI 45% limit |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $90,517.28 > reserves required $4,706<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.8% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 90%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 for 36 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 1.27%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 86 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > Minimum FICO is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Minimum FICO is 620; Clients FICO is 739<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 13.63% is below guideline maximum 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have96 months mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid score > Minimum FICO is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Minimum FICO is 620; Clients FICO is 739<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 13.63% is below guideline maximum 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have96 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.56%; guidelines allow 97%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.02%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have120 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.56%; guidelines allow 97%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 18.02%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have120 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/minimum 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.88%/maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.61%/maximum 90% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/minimum 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.88%/maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.61%/maximum 90% |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.80% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.59%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approve<br>PIW,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.80% is below guideline maximum 50%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.59%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.58%; guidelines allow 80%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have82 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.58%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score not<br>provided.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years at primary residence.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have59 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 mid score > min required of 620. |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>XXX and<br>Property<br>Data<br>Report<br>approved<br>by LP.<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds minimum FICO of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79% is below the 95% max allowed on rate refis.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: B1 income is $1,889.43 more than the LP accepted income amount of $5,323.23. Loan was qualified with the lower income from the XXX report dated 12/24/2025. |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 exceeds minimum FICO of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79% is below the 95% max allowed on rate refis.<br> CFCFS1750: High potential for increased earnings<br> - Clayton Comments: B1 income is $1,889.43 more than the LP accepted income amount of $5,323.23. Loan was qualified with the lower income from the XXX report dated 12/24/2025. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID — Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $1074.36<br>zero<br>tolerance<br>due to<br>increase in<br>Discount<br>Points<br>from<br>$1176 to<br>$1074.36<br>without a<br>valid CoC.<br>Only cure<br>in file was<br>$25 for<br>increase in<br>Appraisal<br>fees.<br>Requires<br>CoC, or<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 3.30.2026 —<br>COCs<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99% |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>not<br>provided.<br>Clayton to<br>order desk<br>review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99% |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Public) | No | FEMA<br>declaration<br>XXX for<br>XXX and<br>appraisal<br>date XXX | 3/16/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/16/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 620<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.99% |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.91%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower min credit score of 723 > minimum FICO of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 84 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI < max DTI of 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>Approved<br>Loan.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: co-Borrower has over 8 years at current job.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 6 years at current job.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: the borrowers have minimal use of credit. |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | PIW<br>Approved<br>Loan.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: co-Borrower has over 8 years at current job.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has over 6 years at current job.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: the borrowers have minimal use of credit. |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI of 31.22% is below guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 771 median FICO. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 141 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.46% DTI < min required of 50% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 141 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.46% DTI < min required of 50% |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/25/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 141 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.46% DTI < min required of 50% |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>> 2.5.<br>Clayton to<br>order<br>Desk<br>Review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 fico exceeds 620 minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.168% DTI below 45% max allowable<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $20,366.67 / 4.76 months PITIA, DU required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers' credit score is 786 greater then the minimum required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $20,366.67 / 4.76 months PITIA, DU required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers' credit score is 786 greater then the minimum required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 3/25/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4/2/2026:<br>Received<br>Ext 2055<br>report<br>supporting<br>value. | 4/2/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $20,366.67 / 4.76 months PITIA, DU required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers' credit score is 786 greater then the minimum required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.01%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used —<br>H8 Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Regulation<br>Z designates<br>the H9<br>rescission<br>form as the<br>form<br>designed for<br>same lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the<br>H8 form.<br>Regulation<br>Z has<br>language<br>allowing the<br>use of a<br>substantially<br>similar<br>notice.<br>Claytons<br>view has<br>been that an<br>H8 protects<br>the lender<br>and<br>assignee to<br>at least the<br>same extent<br>as an H9,<br>but Clayton<br>recognized<br>that one<br>could think<br>that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar<br>notice<br>argument.<br>The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of<br>an H8 in a<br>same-lender<br>refinance;<br>therefore,<br>Clayton<br>grades the<br>use of an<br>H8 form in<br>a same-<br>lender<br>refinance as<br>a level 2/B-<br>Non<br>Material<br>Condition in<br>those<br>Circuits that<br>have not<br>decided on<br>this issue. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67% LTV is below the 95% LTV max for a rate refi<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.09% is less than the program 43% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds program minimum of 620 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67% LTV is below the 95% LTV max for a rate refi<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.09% is less than the program 43% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds program minimum of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67% LTV is below the 95% LTV max for a rate refi<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.09% is less than the program 43% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds program minimum of 620 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 28.14% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>not<br>established.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 50 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 250 months > max permitted of 12 X 30 X xx months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 771 > min required score of 620. |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>approved<br>loan.<br>Clayton to<br>order a<br>BPO | 3/30/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $24,052.19 (5.45 months PITIA reserves) > min required reserves of $0<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years on any of the 4 mortgages reporting on credit<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years — B2 - has significant time at current job, B1 has 10 years in the same field<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 credit scored / 620 required |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/30/2026:<br>Received<br>BPO<br>supporting<br>value. | 3/30/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $24,052.19 (5.45 months PITIA reserves) > min required reserves of $0<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences during the past two years on any of the 4 mortgages reporting on credit<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10 years — B2 - has significant time at current job, B1 has 10 years in the same field<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 credit scored / 620 required |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.31% is below the guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.12%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.31% is below the guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.12%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.45%, Max 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 704, min. FICO is 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.45%, Max 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 704, min. FICO is 620 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP<br>provided.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 fico exceeds minimum 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Over 5 years with current employer.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>by AUS<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has significant time is profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x > 99 months |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has significant time is profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x > 99 months |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 48 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $8898 / 3.78 months PITIA > min required of $0.00.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.36%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.57% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 48 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have25 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $8898 / 3.78 months PITIA > min required of $0.00.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.36%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.57% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $53,614.38/14.11 PITI. No reserves requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is 163 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.26% DTI < maximum permitted of 45% |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $53,614.38/14.11 PITI. No reserves requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is 163 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 18.26% DTI < maximum permitted of 45% |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $31,082.88 or 5.99 months reserves, 0 reserves required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.02% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>date XXX -<br>XXX and<br>appraisal date<br>XXX. PDI to<br>be ordered by<br>Clayton. | 3/15/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/15/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $31,082.88 or 5.99 months reserves, 0 reserves required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.02% |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Right of<br>Rescission | Satisfied D A | CMPROR5345 | ROR —<br>Missing or<br>Incomplete<br>Right of<br>Rescission<br>form | No | The ROR's in<br>file were not<br>executed by<br>borrower or<br>non borrower. | 3.30.2026 —<br>ROR for all<br>borrowers<br>received. | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 exceeds program minimum of 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 11 payments on mortgage being paid off.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 80% is below the 95% max allowed on rate refinance loans. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | Missing<br>residency<br>documentation.<br>Passport XXX<br>. XXX shows<br>employer as<br>XXX. H1B<br>valid<br>10/4/2025 —<br>9/30/2028 and<br>is not for the<br>borrower.<br>Borrower<br>employer is<br>shown as XXX<br>XXX. Need<br>H1B for XXX. | 4/6/2026:<br>Received<br>I797A for<br>borrower.<br>Valid H1B<br>3/25/2025-<br>12/29/2027<br>with current<br>employer. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 exceeds program minimum of 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 11 payments on mortgage being paid off.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 80% is below the 95% max allowed on rate refinance loans. |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 exceeds program minimum of 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 11 payments on mortgage being paid off.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 80% is below the 95% max allowed on rate refinance loans. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in all mortgage history reporting back to January 2022.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting in credit history since January 2003.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 736 exceeds minimum FICO of 620. |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in all mortgage history reporting back to January 2022.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting in credit history since January 2003.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 736 exceeds minimum FICO of 620. |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/25/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4/6/2026:<br>received<br>Report<br>2055 Ext<br>only not<br>supporting<br>value.<br>Lender<br>will need<br>to order a<br>full<br>appraisal. | 4/6/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 in all mortgage history reporting back to January 2022.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reporting in credit history since January 2003.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 736 exceeds minimum FICO of 620. |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $21,720 / 6.21 months PITIA > min required of $0. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $21,720 / 6.21 months PITIA > min required of $0. |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $128,384.55 verified reserves with $65,028.48 required per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 score exceeds 620 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving usage at 11% per CR. |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $128,384.55 verified reserves with $65,028.48 required per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 score exceeds 620 minimum.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving usage at 11% per CR. |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have31 months mortgage payment history 0x30<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.39% is below guideline maximum 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Missing<br>updated<br>valuation.<br>Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have31 months mortgage payment history 0x30<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.39% is below guideline maximum 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 40 years noted in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $30,050.04 reserves verified with $884.46 required to close per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 40 years noted in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $30,050.04 reserves verified with $884.46 required to close per AUS.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 32.98%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LOW LTV 76.96%. Max allowed 90%. |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 32.98%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LOW LTV 76.96%. Max allowed 90%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 170 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit, score 777.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79%; guidelines allow 90%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.30% |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 170 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score > min required of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit, score 777.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79%; guidelines allow 90%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 15.30% |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Missing<br>current<br>YTD<br>paystub<br>as<br>required<br>per AUS<br>findings.<br>(VVOE<br>and W2s<br>are in the<br>file). | 3/27/2026:<br>Received<br>12/19/2025<br>paystub. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 credit score exceeds 620 required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.010% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing<br>current<br>YTD<br>paystub<br>as<br>required<br>per AUS<br>findings.<br>(VVOE<br>and W2s<br>are in the<br>file). | 3/27/2026:<br>Received<br>12/19/2025<br>paystub. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 credit score exceeds 620 required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.010% revolving credit utilization |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW-<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 credit score exceeds 620 required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.010% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW-<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45% , loan DTI is 43.8%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 credit score exceeds 620 required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1.010% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton to<br>order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 706, minimum FICO is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $12,745.02 or 6 months PITIA in reserves. $0 reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer over 6 years |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | State<br>Consumer<br>Protection | Active B | CMPSTCP4383 | MI Home<br>Loan - No<br>Evidence<br>that<br>Michigan<br>Home<br>Loan<br>Toolkit<br>was<br>delivered<br>to the<br>borrower | No | Missing<br>Home<br>Loan<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.49; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 3 + years at present job |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>approved<br>loan.<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.49; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 3 + years at present job |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.49; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 3 + years at present job |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>LCA<br>score.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: One revolving card in use per CR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years time in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.03% DTI with a 43% max allowed. |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have significant time in profession B1-14 years and B2 - 15 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 16/36 - below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 738 exceeds guidelines 680 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance<br>fee or<br>fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason.<br>On the<br>Initial LE<br>XXX the<br>XXX was<br>$1040.00.<br>Increased<br>on Final<br>CD XXX<br>to<br>$1269.50,<br>for an<br>increased<br>of<br>$229.50,<br>no COC<br>was<br>provided. | 3.30.2026<br>- Cure<br>provided<br>via LOX,<br>PCCD,<br>check for<br>$229.50<br>and proof<br>of<br>delivery | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $92,514 / 24 months PITIA > min required of $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.48% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO, | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $92,514 / 24 months PITIA > min required of $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.48% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO, | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $92,514 / 24 months PITIA > min required of $0.00.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have62 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 20.48% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Missing<br>MI cert. | 3/27/2026:<br>Received<br>MI Cert.<br>auto-<br>satisfied<br>after info<br>entered. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have19 months mortgage payment history 0x30. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Missing MI<br>Cert. | 3/27/2026:<br>Received<br>MI Cert. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have19 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP.<br>Clayton to<br>order Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid score > min required of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have19 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used - H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Lender used<br>H8 ROR<br>form for a<br>lender to<br>lender<br>refinance.<br>Regulation<br>Z designates<br>the H9<br>rescission<br>form as the<br>form<br>designed for<br>same lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the<br>H8 form.<br>Regulation<br>Z has<br>language<br>allowing the<br>use of a<br>substantially<br>similar<br>notice.<br>Claytons<br>view has<br>been that an<br>H8 protects<br>the lender<br>and<br>assignee to<br>at least the<br>same extent<br>as an H9,<br>but Clayton<br>recognized<br>that one<br>could think<br>that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar<br>notice<br>argument.<br>The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of<br>an H8 in a<br>same-lender<br>refinance;<br>therefore,<br>Clayton<br>grades the<br>use of an<br>H8 form in<br>a same-<br>lender<br>refinance as<br>a level B<br>condition-<br>Non<br>Material<br>exception. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.753% DTI is below the 45% threshold.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.798% LTV is below the 95% maximum allowable.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 exceeds minimum 620 fico |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>in file/no<br>LCA score<br>provided.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.753% DTI is below the 45% threshold.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.798% LTV is below the 95% maximum allowable.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 exceeds minimum 620 fico |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Missing<br>required<br>MI cert | 3/27/2026:<br>Received<br>MI cert. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history 0 x 30 since 2016. |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required<br>but MI<br>Certificate<br>is missing | No | Missing<br>evidence<br>of 12%<br>mortgage<br>insurance<br>coverage<br>due to<br>80.02%<br>LTV. | 3/27/2026:<br>Received<br>MI cert. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history 0 x 30 since 2016. |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Credit/Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | XXX<br>XXX from<br>7/2021

#XXX<br>high credit<br>$115,200<br>balance<br>$62,303<br>with<br>$1,985<br>payment is<br>tied to<br>subject on<br>initial<br>application<br>and later<br>not tied to<br>a property<br>but<br>included<br>in debts.<br>The<br>property<br>this<br>mortgage<br>is tied to is<br>not<br>disclosed.<br>LP #5 has<br>the debt as<br>omitted. | 4/6/2026:<br>Received<br>docs to<br>shows<br>REO on<br>XXX was<br>sold<br>1/5/2026. | 4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history 0 x 30 since 2016. |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $113,769.81 or 21 months of PITI $5,225.39. LP required no reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 778 exceeds 620 guideline minimum.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history 0 x 30 since 2016. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>with PIW;<br>Clayton to<br>order a<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines / $696,978/ $4631.42 = 150months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 Credit score exceeds guidelines score 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20 % DTI below guideline requirement of 43% |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines / $696,978/ $4631.42 = 150months of reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 Credit score exceeds guidelines score 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20 % DTI below guideline requirement of 43% |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>approved<br>loan.<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has overtime income not used to qualify. Comp. factor only<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.6% is below 45%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 23.52% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B1 has overtime income not used to qualify. Comp. factor only<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 23.6% is below 45%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 23.52% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Both applicants have excellent credit history with no major derogs<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates on mortgage since inception<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Fico 620. Borrower's fico is 770<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is significantly below guidelines at 23.49/26.59% with a max DTI of 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Both applicants have excellent credit history with no major derogs<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No lates on mortgage since inception<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Fico 620. Borrower's fico is 770<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is significantly below guidelines at 23.49/26.59% with a max DTI of 45% |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.06% DTI < maximum permitted of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $344,240.94 (12.84 months PITIA reserves) > min required reserves of $0.00<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has great credit |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.06% DTI < maximum permitted of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $344,240.94 (12.84 months PITIA reserves) > min required reserves of $0.00<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has great credit |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.31% is below guideline maximum 50%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have27 months mortgage payment history 0x30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.31% is below guideline maximum 50%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have27 months mortgage payment history 0x30<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.70% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.70% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 12+ years at present job |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers are not heavy credit users.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Primary borrower has potential for higher earnings given his position and industry of employment which is IT. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.43% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 130 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 772 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $39,793.53/15.89 PITI. Reserves are not required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.35% DTI < maximum permitted of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 819 is 199 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $39,793.53/15.89 PITI. Reserves are not required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.35% DTI < maximum permitted of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 819 is 199 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score/<br>UCDP in<br>the file.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.684% DTI is below 45% threshold.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years 11 months in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 fico exceeds minimum 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 3/31/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/31/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio of 9.58%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1- XXX has significant time in profession of 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 17% Max DTI is 45%, unless AUS approves higher. |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 3/31/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/31/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio of 9.58%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1- XXX has significant time in profession of 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 17% Max DTI is 45%, unless AUS approves higher. |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/31/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ratio of 9.58%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1- XXX has significant time in profession of 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 17% Max DTI is 45%, unless AUS approves higher. |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 774 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 124 months > max permitted of 0 X 30 X 12 months |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 44 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 774 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 124 months > max permitted of 0 X 30 X 12 months |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to<br>Close | No | Per Post<br>CD XXX,<br>borrowers<br>are<br>required<br>to have<br>$3,614.75<br>funds to<br>close.<br>Final CD<br>showed<br>$1,683.25<br>cash back.<br>Provide<br>asset<br>statements<br>to verify<br>funds to<br>close are<br>covered. | 4/2/2026:<br>Received<br>another<br>updated<br>PCCD<br>showing<br>lender<br>credit to<br>offset<br>updated<br>fees. Cash<br>back is<br>$0.25. | 4/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.93%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for143 months. |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.93%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for143 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have29 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.93%; guidelines allow 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for143 months. |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 727 exceeds minimum FICO of 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.48% is less than max allowed 80%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per written VOE, employed with current company since 1/28/19.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 1 late payment reporting in history since March 1992.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.80% is lower than max allowed 45%. |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $519,349.02 (105.29 months PITIA reserves) > min required reserves of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 40.87%. |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $519,349.02 (105.29 months PITIA reserves) > min required reserves of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 mid score > min required of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt: 0x30 x greater than 99 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 45%. Approved DTI is 40.87%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.539% DTI below 45% threshold.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 fico exceeds 620 minimum<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13.5 years with current employer.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.539% DTI below 45% threshold.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 fico exceeds 620 minimum<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13.5 years with current employer.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 3/25/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4/2/2026:<br>Received<br>Ext 2055<br>report<br>supporting<br>value. | 4/2/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.539% DTI below 45% threshold.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 fico exceeds 620 minimum<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13.5 years with current employer.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer > 24 years 11 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #62 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 809 exceeds minimum of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer > 24 years 11 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #62 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 809 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Loan<br>declared QM<br>Safe Harbor<br>(APOR)<br>from lender/<br>client;<br>Clayton<br>status : Non-<br>QM: Lender<br>documented<br>all ATR UW<br>factors due to<br>fees too high<br>(adjusted<br>charges are<br>$11,979.75,<br>max allowed<br>is $8,484.91;<br>$3,494.84<br>too high). | 3.30.2026 -<br>Undiscounted<br>rate provided<br>and rate lock<br>form | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Clayton<br>status is:<br>Non-QM:<br>Lender<br>documented<br>all ATR UW<br>factors due to<br>fees too high<br>(adjusted<br>charges are<br>$11,979.75,<br>max allowed<br>is $8,484.91;<br>$3,494.84<br>too high). | 3.30.2026 -<br>Undiscounted<br>rate provided<br>and rate lock<br>form | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | A document<br>provided in<br>file reflects<br>additional<br>Loan<br>Estimates on<br>XXX, XXX,<br>XXX and<br>XXX. These<br>Loan<br>Estimates<br>were not<br>provided to<br>review.<br>There is also<br>a XXX Post<br>Close<br>Closing<br>Disclosure<br>listed. This<br>Closure<br>Disclosure<br>was not<br>provided for<br>review. No<br>Change of<br>Circumstance<br>documents<br>were<br>provided. | 3.30.2026 -<br>Missing<br>COCs and<br>LEs provided | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID -<br>CD: Zero<br>tolerance<br>fee or fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD<br>was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero<br>Tolerance Fee<br>of $772.69<br>due to $83.40<br>Credit Report<br>fee and<br>$689.29 HOA<br>Certification<br>Handling fee<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower.<br>Client<br>provided<br>credit for<br>excess fees<br>charged of<br>$635.51 but<br>the diff is<br>$137.17 | 3.30.2026<br>- Missing<br>COCs and<br>LEs<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID3642 | TRID -<br>Corrected<br>Closing<br>Disclosure<br>required<br>with zero<br>tolerance<br>fee refund,<br>but not<br>provided | No | please<br>provide<br>correct<br>closing<br>disclosure<br>required for<br>zero tolerance<br>fees | 3.30.2026<br>-Missing<br>COCs and<br>disclosures<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton<br>to order desk<br>review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 21.54%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.99% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved with<br>PIW. Clayton<br>to order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $16,738.77 / 5.30 months PITIA > DU min required of $0.00.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 23.41% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.81%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved with<br>PIW. Clayton<br>to order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $16,738.77 / 5.30 months PITIA > DU min required of $0.00.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 23.41% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 2.81%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>XXX, 3 days<br>prior to<br>consummation<br>date of XXX | 4.2.2026 -<br>Disclosure<br>tracking<br>provided | 4.2.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 700 credit score; 620 minimum required FICO.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 7/2008, reporting 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 14.25 years in the same profession. |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing the<br>rental<br>documentation<br>for all 3 rental<br>properties in<br>order to<br>calculate and<br>use rental<br>income on the<br>investment<br>properties<br>owned. | 3/27/2026:<br>received<br>2024<br>1040s and<br>lease<br>agreements<br>for two<br>REOs. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 2 has been in profession for over 47 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing the<br>rental<br>documentation<br>for all 3 rental<br>properties in<br>order to<br>calculate and<br>use rental<br>income on the<br>investment<br>properties<br>owned. | 3/27/2026:<br>received<br>2024<br>1040s and<br>lease<br>agreements<br>for two<br>REOs. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 2 has been in profession for over 47 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 2 has been in profession for over 47 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 783 exceeds min 620 requirement.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 2 has been in profession for over 47 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV of 79.99% is less than the max allowed of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $13,002.36 or 2.26 months of PITIA, no reserves are required. |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60.36%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>most recent<br>1040<br>income tax<br>return or<br>lease<br>agreement<br>for rental<br>income<br>calculations<br>for non-<br>subject<br>properties | 3/31/2026:<br>Received<br>2024<br>1040s Sch<br>E. | 3/31/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.99%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 767mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | There is a<br>timing and<br>change of<br>circumstance<br>review<br>document in<br>file that<br>reflects a<br>XXX Loan<br>Estimate that<br>was not<br>included in<br>the file. Also,<br>there is a<br>XXX COC in<br>the file but no<br>corresponding<br>LE or CD.<br>The next<br>disclosure<br>provided is<br>the XXX CD. | 3.30.2026<br>- Missing<br>LEs<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.99%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 767mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>due to $600<br>appraisal<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower | 3.30.2026<br>- COC<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.99%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 767mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Missing most<br>recent 1040<br>income tax<br>return or lease<br>agreement for<br>rental income<br>calculations<br>for non-<br>subject<br>properties | 3/31/2026:<br>Received<br>2024<br>1040s Sch<br>E. | 3/31/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.99%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 767mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5. Clayton<br>to order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.99%; guidelines allow 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $57,096 / 11 months PITIA > min required of $0<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 767mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing<br>Hazard<br>Insurance | No | Missing<br>hazard<br>insurance<br>policy<br>declarations<br>page | 3/27/2026:<br>Received RCE.<br>Still need HOI<br>dec<br>page.3/31/2026:<br>Received HOI<br>Dec Page. | 3/27/2026:<br>Exception<br>remains.3/31/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at the same job since 10/08/1992.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any mortgage lates within the past two years. |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used —<br>H8 Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Regulation<br>Z designates<br>the H9<br>rescission<br>form as the<br>form<br>designed for<br>same lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the<br>H8 form.<br>Regulation<br>Z has<br>language<br>allowing the<br>use of a<br>substantially<br>similar<br>notice.<br>Claytons<br>view has<br>been that an<br>H8 protects<br>the lender<br>and<br>assignee to<br>at least the<br>same extent<br>as an H9,<br>but Clayton<br>recognized<br>that one<br>could think<br>that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar<br>notice<br>argument.<br>The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of<br>an H8 in a<br>same-lender<br>refinance;<br>therefore,<br>Clayton<br>grades the<br>use of an<br>H8 form in<br>a same-<br>lender<br>refinance as<br>a level 2/B-<br>Non<br>Material<br>exception in<br>those<br>Circuits that<br>have not<br>decided on<br>this issue. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 620.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.78% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 13.45% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.60%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 13.45% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.60%; guidelines allow 95%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower has been in same profession for 29 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $2,085.83. Reserves required = $0.00 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit 811. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI is 27.35% Max DTI is 45%<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: $2365.49 additional retirement income, after grossing up, not used to qualify |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit 811. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI is 27.35% Max DTI is 45%<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: $2365.49 additional retirement income, after grossing up, not used to qualify |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Right of<br>Rescission | Active C | CMPROR2330 | ROR —<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period | Yes | System<br>date<br>calculated<br>to XXX<br>as<br>statutory<br>rescission<br>period<br>based on<br>notary<br>date on<br>DOT<br>being<br>incorrect<br>showing<br>XXX<br>instead of<br>XXX.<br>ROR is<br>dated<br>XXX,<br>expired<br>XXX.<br>Funds<br>disbursed<br>XXX.<br>Can<br>remove<br>when<br>corrected<br>Notary is<br>received. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Legal<br>Documents | Active D | CRDLGL100 | Legal<br>document<br>incorrect<br>or<br>incomplete | Yes | Notary date on<br>DOT is<br>incorrect.<br>Dated XXX<br>instead of<br>XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Borrower's<br>Interest | Active B | CMPBI1623 | MA<br>Borrower<br>Interest;<br>Worksheet<br>missing | No | Missing MA<br>Borrower<br>Interest<br>worksheet | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.51 % is below guideline maximum 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 3+ years at present job |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 59.29% LTV. Max allowed 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 806 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 59.29% LTV. Max allowed 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 806 median FICO. Min required 620. |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | ATR/<br>QM:<br>Status<br>Pending D C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | Yes | Missing YTD<br>pay stub from<br>new employer,<br>required per LP<br>findings, to<br>support income<br>of<br>$15,833.34/mo. | 3/27/2026:<br>Received<br>VVOE.<br>This was<br>in the<br>original<br>file. Still<br>need<br>paystub.<br>Job started<br>prior to<br>Note Date. | 3/27/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score of 791 > min requirement of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% revolving credit utilization |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | ATR/<br>QM:<br>Status<br>Pending D C | Credit | Income/<br>Employment | Active D | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | Yes | Missing YTD<br>pay stub from<br>new employer,<br>required per LP<br>findings, to<br>support income<br>of<br>$15,833.34/mo. | 3/27/2026:<br>Received<br>VVOE. This<br>was in the<br>original file.<br>Still need<br>paystub. Job<br>started prior to<br>Note Date. | 3/27/2026:<br>Exception<br>remains. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score of 791 > min requirement of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | ATR/<br>QM:<br>Status<br>Pending D C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | PIW approved<br>loan. Clayton<br>to order BPO | 3/25/2026:<br>BPO provided<br>does not<br>support<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score of 791 > min requirement of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | ATR/<br>QM:<br>Status<br>Pending D C | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | PIW approved<br>loan. Clayton<br>to order BPO | 3/25/2026:<br>BPO provided<br>does not<br>support<br>appraised<br>value.4/6/2026:<br>Received Ext<br>only 2055<br>report not<br>supporting<br>value. Lender<br>will need to<br>order a full<br>appraisal. | 3/25/2026:<br>Exception<br>remains.4/6/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative credit score of 791 > min requirement of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $3,188.95 (0.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide most<br>recent business<br>returns with all<br>pages and<br>schedules for<br>B1. | 3/27/2026:<br>Received 2024<br>business rtns.<br>Income<br>verified. DTI is<br>now 40.47%,<br>lower than<br>lender 43%. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.42%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.00%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/maximum 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Provide<br>most<br>recent<br>business<br>returns<br>with all<br>pages and<br>schedules<br>for B1. | 3/27/2026:<br>Received<br>2024<br>business<br>rtns.<br>Income<br>verified.<br>DTI is<br>now<br>40.47%,<br>lower than<br>lender<br>43%. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.42%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.00%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/maximum 620 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.42%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.00%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/maximum 620 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.42%/maximum 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.00%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 749/maximum 620 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $14629.67 exceeds AUS requirement of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 exceeds guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 26.79 is below guideline of 45% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $14629.67 exceeds AUS requirement of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 exceeds guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 26.79 is below guideline of 45% |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.38%; guidelines allow 90%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have96 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used -<br>H8 Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Regulation<br>Z designates<br>the H9<br>rescission<br>form as the<br>form<br>designed for<br>same lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the<br>H8 form.<br>Regulation<br>Z has<br>language<br>allowing the<br>use of a<br>substantially<br>similar<br>notice.<br>Claytons<br>view has<br>been that an<br>H8 protects<br>the lender<br>and<br>assignee to<br>at least the<br>same extent<br>as an H9,<br>but Clayton<br>recognized<br>that one<br>could think<br>that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar<br>notice<br>argument.<br>The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of<br>an H8 in a<br>same-lender<br>refinance;<br>therefore,<br>Clayton<br>grades the<br>use of an<br>H8 form in<br>a same-<br>lender<br>refinance as<br>a level 2/B-<br>Non<br>Material<br>exception in<br>those<br>Circuits that<br>have not<br>decided on<br>this issue. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 10/2010, reporting 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 797 FICO score. Minimum required 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8.33 years |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $32,398.61 (14 months PITIA reserves) > min required reserves of 0 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 709> min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X over 60 months > max permitted of 0 X 30 X 12 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 240 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have50 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 62.65%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid score > min required of 640 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | CMPTRID5806 | TRID -<br>At least 1<br>CD prior<br>to the last<br>CD at or<br>prior to<br>closing<br>was not<br>provided<br>to all with<br>rescission<br>rights. | No | Initial CD<br>dated<br>XXX<br>only<br>disclosed<br>to one<br>borrower,<br>second<br>disclosure<br>to<br>borrower<br>two<br>missing. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 fico score exceeds guidelines 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34 % dti max dti is 45% |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 794 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 244 months > max permitted of xx X 30 X 12 months. |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 794 > min required score of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 244 months > max permitted of xx X 30 X 12 months. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #40 months, Credit ratio 10.62%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 790 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.68% DTI < min required of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 102 months > max permitted of 0 X 30 X 12 months. |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 791 > min required score of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.68% DTI < min required of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 102 months > max permitted of 0 X 30 X 12 months. |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Provide<br>2024 &<br>2023<br>personal<br>and<br>business<br>returns for<br>XXX. Per<br>Business<br>verification,<br>business<br>formed<br>5/1/2021<br>which is <5<br>years,<br>requiring<br>two years'<br>business<br>and<br>personal<br>returns.<br>(File has<br>2024, 2025<br>W2s for<br>B1, 2023-<br>2025 W2s<br>for B2). | 3/27/2026:<br>Received<br>2024/2023<br>1040s and<br>1120-S. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 fico score exceeds guidelines 620 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2302 | Missing<br>Required<br>Income<br>Documentation | No | Provide<br>2024 &<br>2023<br>personal<br>and<br>business<br>returns for<br>XXX. Per<br>Business<br>verification,<br>business<br>formed<br>5/1/2021<br>which is <5<br>years,<br>requiring<br>two years'<br>business<br>and<br>personal<br>returns.<br>(File has<br>2024, 2025<br>W2s for<br>B1, 2023-<br>2025 W2s<br>for B2). | 3/27/2026:<br>Received<br>2024/2023<br>1040s and<br>1120-S. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 fico score exceeds guidelines 620 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 449 months.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Housing payment shock is -8.29% less than 10%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is 25.81% below guideline maximum of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have134 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 449 months.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Housing payment shock is -8.29% less than 10%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI is 25.81% below guideline maximum of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have134 months mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.99% |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 8.99% |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not<br>a Qualified<br>Mortgage. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$28,510.00,<br>max<br>allowed is<br>$27,909.17;<br>$600.83 too<br>high). | 3/31/2026:<br>Received<br>Compliance<br>report,<br>entered<br>Bonafide<br>Fee. Loan<br>is now Safe<br>Harbor. | 3/31/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 720 > min required score of 620. |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID -<br>CD: Zero<br>tolerance<br>fee or fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD<br>was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | A COC<br>was not<br>provided<br>for the<br>increased<br>in the on<br>the Loan<br>Discount<br>Points from<br>2.375% or<br>$22800 on<br>XXX to<br>2.825% or<br>$27,120.00<br>on Final<br>CD XXX. | 3.30.2026 -<br>COC<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 720 > min required score of 620. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 3/31/2026:<br>Received Safe<br>Harbor<br>determination. | 3/31/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 720 > min required score of 620. |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>not<br>established.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 84 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 42 months > max permitted of 0 X 30 X 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 720 > min required score of 620. |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below guideline max of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13.10 years current job time<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42% DTI is below guideline max of 45% |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate<br>ATR/QM<br>status. | No | Provide copy<br>of the fully<br>executed CD,<br>Note and<br>Mortgage for<br>2nd mortgage<br>withXXX ,<br>Loan Amount<br>$XXX and<br>Payment<br>$770.83 | 1/30/2026:<br>Received the<br>Note and<br>Deed. Still<br>need Final<br>CD. | 1/30/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $37,471.87 Required reserves $0<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 6 years 6 months. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Credit/<br>Mtg<br>History | Satisfied D A | CRDCRMH149 | Missing<br>support docs<br>for VOM/<br>VOR (e.g.<br>cancelled<br>checks) | No | Provide copy<br>of the fully<br>executed CD,<br>Note and<br>Mortgage for<br>2nd mortgage<br>withXXX,<br>Loan Amount<br>$XXX and<br>Payment<br>$770.83 | 1/30/2026:<br>Received<br>the Note<br>and Deed.<br>Still need<br>Final CD. | 1/30/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $37,471.87 Required reserves $0<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 6 years 6 months. |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA2704 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not<br>compliant | No | Please<br>provide the<br>list of List of<br>homeowners<br>counseling<br>organizations.<br>Document in<br>file shows<br>what date the<br>list was<br>provided but<br>not the list<br>itself. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years in the same profession |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>Provide<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years in the same profession |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan<br>Estimate not<br>timely | No | Application<br>in file dated<br>XXX; Only<br>LE in file is<br>dated XXX.<br>Please<br>provide the<br>initial LE<br>received<br>within 3 days<br>of the initial<br>application<br>date. | 3.30.2026<br>- Missing<br>LEs<br>received | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years in the same profession |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Only CD in<br>file is dated<br>XXX and<br>signed XXX.<br>Please provide<br>initial CD<br>dated 3 days<br>prior to<br>consummation<br>date of XXX. | 3.30.2026 -<br>ICD received | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years in the same profession |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender<br>QM<br>Determination. | 4/2/2026:<br>Received Safe<br>Harbor<br>determination. | 4/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 credit score; 620 minimum required FICO<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: credit reflects oldest tradeline 10/19/2015, reporting 0x30<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years in the same profession |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing the<br>affiliated<br>business<br>disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.11% is below Guidelines maximum DTI of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 778 exceeds credit score minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash reserves of $144,904.21 exceeds AUS required of $0.00 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score is ><br>2.5. Clayton to<br>order a desk<br>review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.11% is below Guidelines maximum DTI of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 778 exceeds credit score minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash reserves of $144,904.21 exceeds AUS required of $0.00 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Missing proof<br>of gift transfer<br>to borrowers<br>in the amt. of<br>$400,000. | 3/27/2026: The<br>wire receipt for<br>$400K is dated<br>1/6/2026,<br>credited to an<br>account ending<br>in XXXX.<br>There is no<br>account in the<br>file ending in<br>this account #<br>and does not<br>indicate sent to<br>Settlement<br>Agent Wiring<br>Instructions<br>info.3/31/2026:<br>Received wire<br>receipt<br>showing gift<br>donor name<br>and originating<br>bank. | 3/27/2026:<br>Exception<br>remains.3/31/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit Score 817 exceeds guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 40.563 is below guideline maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 65.57 is below guideline of 90% guideline requirement |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | State<br>Consumer<br>Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred<br>Lend<br>Database - No<br>Cert of<br>Compliance or<br>Cert of<br>Exemption in<br>file | No | Missing IL<br>No Cert of<br>Compliance<br>or Cert of<br>Exemption | 3/27/2026:<br>Received<br>required doc. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.082% below 45% threshold.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 3 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 fico exceeds 620 minimum |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 3/27/2026:<br>Received Safe<br>Harbor<br>determination. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.082% below 45% threshold.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 3 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 fico exceeds 620 minimum |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>3 indicating<br>moderate risk.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.082% below 45% threshold.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 3 years with current employer.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 fico exceeds 620 minimum |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required. Assets in file $790,852 + $308,914 = $1,099.766.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2010 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 score exceeds minimum guidelines. |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score<br>>2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: No reserves required. Assets in file $790,852 + $308,914 = $1,099.766.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2010 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 score exceeds minimum guidelines. |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $22,039.22 or 7.69 > min required reserves of $17,200.86<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 20 years in same line of work/profession. |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | WY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.28% is below guidelines 45% maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 801 exceeds min required score of 620.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 82 months reviewed.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 18 years with current employer. |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.57% LTV is below guidelines 80% maximum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.37% DTI is below Guidelines max of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 exceeds guidelines minimum of 620. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 mid score > min required of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.02%; guidelines allow 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 246 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 24 years. |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #239 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 720 / 736 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $3093.49 Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 752 greater than minimum 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.10% is below Guidelines 95% maximum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.30% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 752 greater than minimum 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.10% is below Guidelines 95% maximum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.30% is below Guidelines 45% maximum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 752 greater than minimum 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.10% is below Guidelines 95% maximum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.30% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 816 > min required score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 73 months > max permitted of 0 X 30 X 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.08% DTI < min required of 50% |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 fico score exceeds guidelines 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 13% DTI max dti is 45% |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA —<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>evidence<br>borrowers<br>escrow with<br>XXX XXX<br>mortgage or<br>evidence of<br>property<br>taxes,<br>Homeowners<br>insurance<br>and<br>Homeowners<br>Association<br>dues. | 3/27/2026:<br>Received<br>Mortgage<br>stmnt<br>verifying<br>escrowed. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID —<br>Corrected<br>CD should<br>have been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX | 3.30.2026<br>-ack of<br>ICD<br>received. | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Please provide<br>evidence that<br>borrower<br>acknowledged<br>receipt of CD<br>3 days prior to<br>consummation<br>date of XXX | 3.30.2026<br>-ack of<br>ICD<br>received. | 3.30.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or all<br>components<br>of non-<br>subject PITI | No | Missing<br>evidence<br>borrowers<br>escrow with<br>XXX XXX<br>mortgage or<br>evidence of<br>property<br>taxes,<br>Homeowners<br>insurance and<br>Homeowners<br>Association<br>dues. | 3/27/2026:<br>Received<br>Mortgage<br>stmnt<br>verifying<br>escrowed. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA or CU<br>score is > 2.5;<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage of 3.619% of all revolving credit lines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 796 exceeds minimum FICO of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.196% is lower than max allowed 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit mid score of 75 exceeds 620 required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of of $59,430.33 exceed $0 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21.03% below guideline requirement of 45% |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $136,863.10 or26.57 months PITI;$0 Required Reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 13 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 credit score; 620 minimum required FICO |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 fico exceeds minimum fico 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8.08% credit usage<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.572% DTI below 50% maximum |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 fico exceeds minimum fico 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8.08% credit usage<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.572% DTI below 50% maximum |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 800 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #120 months,<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $56,270.67 or 20.73 months of PITI for departing residence. Required Reserves are $0<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower with current employer > 3 years |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3950 | TRID —<br>CD: The<br>Additional<br>Product<br>Feature<br>value in the<br>CD Loan<br>Information<br>section and<br>the Negative<br>Amortization<br>disclosure in<br>the CD Loan<br>Disclosures<br>section are<br>not<br>consistent | No | Missing the<br>check box<br>mark on<br>Final CD<br>XXX, Loan<br>disclosure —<br>Do not have<br>Negative<br>Amortization<br>feature | 4.3.2026<br>— LOX<br>and PCCD<br>received | 4.3.2026 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 score exceeds 620 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID4373 | TRID —<br>CD: Closing<br>Disclosure<br>contains<br>conflicting<br>loan<br>attributes | No | Missing the<br>check box<br>mark on<br>Final CD<br>XXX, Loan<br>disclosure —<br>Do not have<br>Negative<br>Amortization<br>feature | 4.3.2026<br>— LOX<br>and PCCD<br>received | 4.3.2026 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 score exceeds 620 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective<br>date is<br>greater than<br>the<br>transaction<br>date | No | Missing<br>evidence<br>homeowners<br>coverage was<br>in place at<br>time of<br>disbursement.<br>Disbursement<br>date: XXX.<br>Coverage<br>effective date<br>12/19/25. | 3/27/2026:<br>Received<br>HOI dec<br>page<br>XXX-<br>XXX. | 3/27/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 score exceeds 620 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>>2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>Received<br>CDA not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 score exceeds 620 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/25/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets: $728,840.03 (129.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 score exceeds 620 minimum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2014 per CR. |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Provide<br>VVOE for<br>B2 within<br>10<br>business<br>days of the<br>note date.<br>VVOE in<br>file dated<br>XXX is<br>greater<br>than 10<br>days of<br>note XXX | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 12 years at the departure residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 FICO score. Minimum required 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Per credit B2's oldest tradeline 2/18/2007, reporting 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.08 years in the same profession |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | LP AUS<br>Key

#XXX for<br>this<br>transaction<br>was<br>created<br>post<br>funding.<br>AUS<br>previous<br>key

#XXX<br>was<br>associated<br>for the<br>borrower;<br>unable to<br>determine<br>if<br>duplicated.<br>FHLMC<br>single loan<br>exception<br>cert is in<br>the file<br>allowing<br>use of LP<br>Key

#XXX run<br>XXX to be<br>delivered<br>to Freddie. | 3/27/2026:<br>Reviewed<br>both LP<br>findings.<br>They are<br>virtually<br>the same.<br>Assets are<br>slightly<br>different.<br>LOX and<br>cert in file<br>are<br>acceptable. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 12 years at the departure residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 FICO score. Minimum required 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Per credit B2's oldest tradeline 2/18/2007, reporting 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.08 years in the same profession |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 12 years at the departure residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 FICO score. Minimum required 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Per credit B2's oldest tradeline 2/18/2007, reporting 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.08 years in the same profession |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 12 years at the departure residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 801 FICO score. Minimum required 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Per credit B2's oldest tradeline 2/18/2007, reporting 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.08 years in the same profession |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.96% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrowers have 0x30 for 328 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 20 years. |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score is<br>>2.5,<br>Clayton<br>to order<br>Desk<br>Review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14 years at current job - XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 fico score exceeds guidelines 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at current residence |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $151,083.94 exceeds AUS requirement of $0.00<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 25.13% is below Guidelines max 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 exceeds minimum credit score 620 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>2.6.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.020% |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 exceeds minimum of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 42 months reviewed on the most recent mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $11,894.25Required Reserves are $0 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is greater<br>than 2.5.<br>Missing<br>third<br>party<br>valuation.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 fico exceeds typical minimum fico required of 620 (fannie has no minimum)<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has significant time at current job 21 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years in current primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Closing<br>occurred<br>XXX.<br>Disaster<br>declared<br>XXX<br>XXX. | 3/11/2026:<br>Lender<br>acknowledges<br>Level 2<br>exception,<br>Public<br>Assistance<br>only FEMA<br>disaster. | 3/11/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 fico exceeds typical minimum fico required of 620 (fannie has no minimum)<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Coborrower has significant time at current job 21 years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years in current primary residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.24% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77% is below guidelines 97% maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 score exceeds min required of 620 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.24% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77% is below guidelines 97% maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 score exceeds min required of 620 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | FEMA<br>Declaration<br>date XXX<br>and AUS<br>approval<br>XXX. PDI<br>to be<br>ordered by<br>Clayton. | 3/16/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/16/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.24% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 77% is below guidelines 97% maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 score exceeds min required of 620 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA 3.5 score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 815 exceeds minimum of 620<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 99 months reviewed.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since for 15 years. |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing from<br>file. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.02% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide lender<br>QM<br>determination. | 4/2/2026:<br>Received Safe<br>Harbor<br>determination. | 4/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.02% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or<br>incomplete<br>documentation<br>related to<br>citizenship/<br>residency | No | Missing non-<br>permanent<br>resident<br>documentation<br>for B1. | 3/27/2026:<br>Received<br>XXX<br>Passport and<br>XXX - all<br>current and<br>valid through<br>2028. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.02% is below the guideline maximum of 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation:<br>LCA score<br>>2.5. Clayton<br>to order desk<br>review | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 exceeds the guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $57,526.33/7.66 months PITI reserves, exceeds min. requirement of $0.00<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The borrowers DTI of 38.02% is below the guideline maximum of 45%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 9.20% revolving credit utilization |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | State<br>Consumer<br>Protection | Satisfied D A | CMPSTCP2057 | Illinois Pred<br>Lend<br>Database - No<br>Cert of<br>Compliance<br>or Cert of<br>Exemption in<br>file | No | Missing<br>Illinois Cert<br>of<br>Compliance<br>and/or Cert of<br>Exemption | 3/27/2026:<br>Received doc. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 3/27/226:<br>Received Safe<br>Harbor<br>determination. | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 739 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 75% is lower than the guideline requirement of 90%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 31.46 is below guideline max of 45% or approved higher by AUS |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>the<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI is below guideline requirement of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 784 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 69% is below guideline maximum of 90% |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approve<br>PIW,<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI is below guideline requirement of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 784 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 69% is below guideline maximum of 90% |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approve<br>PIW,<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI is below guideline requirement of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 784 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified LTV 69% is below guideline maximum of 90% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Active D | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | Yes | Updated DU<br>AUS required to<br>correct sources<br>of earnings to<br>allow AUS to<br>provide accurate<br>directives on<br>verifying<br>borrowers<br>income<br>documentation.<br>1003 reflects<br>borrower<br>qualified with<br>W2 wages of<br>$5,993.87 and<br>secondary XXX<br>wages of<br>$1,483.32<br>however DU<br>AUS<br>submission 14<br>reflects all<br>earnings were<br>reported as W2<br>wages therefore<br>AUS did not<br>provide<br>directives on<br>requirements to<br>verify XXX<br>earnings used to<br>qualify. DU<br>AUS<br>recommendation<br>must remain<br>Approve/<br>Eligible. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 56 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.94% is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30, 0x60,0x90, with current longest active mortgage reviewed 24 months. |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | LCA score not<br>available.<br>Clayton to order<br>desk review. | 3/25/2026:<br>Received<br>CDA not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 3/25/2026:<br>Exception<br>remains. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.94% is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30, 0x60,0x90, with current longest active mortgage reviewed 24 months. |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/25/2026:<br>Exception added<br>after review of<br>trailing docs:<br>Received CDA<br>not supporting<br>value. Clayton<br>to order next<br>level review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 score exceeds 620 minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.94% is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30, 0x60,0x90, with current longest active mortgage reviewed 24 months. |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $139,368.94 exceed AUS requirement of $0.00<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 17.05% is below guideline maximum of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 729 exceeds guideline minimum of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID -<br>CD: In<br>the CD<br>Escrow<br>section,<br>You will<br>have an<br>escrow<br>account is<br>indicated,<br>but any of<br>the<br>Escrowed<br>Property<br>Costs or<br>Escrow<br>Payment<br>= $0 or<br>Null | No | CD dated<br>XXX- Loan<br>Disclosures-<br>Escrow<br>Account-<br>You will<br>have an<br>escrow<br>account is<br>indicated,<br>but the<br>Escrowed<br>Property<br>Costs or<br>Escrow<br>Payment =<br>$0 | 4.2.2026<br>— LOX<br>and PCCD<br>received | 4.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.004% DTI below 45% threshold<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Over 10 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Over 5 years with current employer.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 fico exceeds 620 minimum |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CLA score<br>is greater<br>than 2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.004% DTI below 45% threshold<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Over 10 years with current employer<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Over 5 years with current employer.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 no mortgage lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 fico exceeds 620 minimum |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | PIW<br>approved<br>loan.<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 fico exceeds minimum 620<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14 years with current company.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current employer. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 credit score exceeds 620 minimum score.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Positive rental income: $114.58 not used to qualify<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $38036.48, over 7 months or reserves verified, no reserves required.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 39 months of 0x30 documented with 12 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI 36.19%. Maximum allowed 45%. |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>was not<br>included<br>in the<br>package. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 3/25/2026:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level review. | (No Data) | (No Data) | Not<br>Applicable | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30,0x60,0x90 with 18 months reviewed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.35% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.62%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 109 months. |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 3/27/2026:<br>Received Safe<br>Harbor<br>determination. | 3/27/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 26 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.62%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 109 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or CU)<br>score is >2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 765 mid score > min required of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have26 months mortgage payment history 0x30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 5 years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 13.62%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 109 months. |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 3/27/2026:<br>Received Safe<br>Harbor<br>Determination. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below 97% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO 787 greater than 620 minimum<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 60 months of no 30x lates with 24 month history required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage score .09% with 1 open trade line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $94,130.63 in post closing reserves.DU requires $27,077.52 reserves |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU returned<br>no score.<br>Clayton to<br>order Desk<br>Review. | 3/25/2026:<br>CDA provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below 97% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO 787 greater than 620 minimum<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 60 months of no 30x lates with 24 month history required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage score .09% with 1 open trade line<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $94,130.63 in post closing reserves.DU requires $27,077.52 reserves |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | XXXXXX | WY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 9 years and 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 815 exceeds 620 required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $604,982.36 or 156.06 months PITI , No reserves required per AUS. |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.83%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.98% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.83%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 43.98% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 765 exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $135,052.91 exceed $0.00 required per AUS<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 34.72 is below guideline of 45% |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is > 2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19+ years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years at current residence |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $287.53<br>due to<br>(discount<br>point)<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 3.27.2026<br>-COC<br>provided | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers are paying off $6,465.83 in revolving debt from 5 different accounts, using their own funds<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the 95% LTV allowed for a rate refi.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 credit score exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | LP approved<br>with PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers are paying off $6,465.83 in revolving debt from 5 different accounts, using their own funds<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the 95% LTV allowed for a rate refi.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 credit score exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>Approved.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrowers are paying off $6,465.83 in revolving debt from 5 different accounts, using their own funds<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the 95% LTV allowed for a rate refi.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 credit score exceeds minimum required of 620 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $13371.85 / 24.70 months PITIA > min required of 18 months $33133.22<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.78%; guidelines allow 90%. |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $143,387.74 or 26.12 months of PITI, no reserves are required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, B1 9 years and B2 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is >2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $143,387.74 or 26.12 months of PITI, no reserves are required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, B1 9 years and B2 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of available revolving credit @ 3.18%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 44 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $67,978.10/ 16.28 months PITIA > min required of $25,054.56. |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to<br>Close | No | Missing<br>most<br>recent 2<br>months<br>bank<br>account<br>statements<br>reflecting<br>sufficient<br>funds. | 3/27/2026:<br>Received<br>XXX<br>stmnt.<br>funds to<br>close<br>verified.<br>No<br>reserves<br>required. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 1.76% credit usage ratio.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.44% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score exceeds min required of 620 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Assets | Satisfied D A | CRDAST2304 | Unverified<br>Assets | No | Missing 2<br>months<br>bank<br>account<br>asset<br>statements<br>to verify<br>funds<br>used by<br>AUS. | 3/27/2026:<br>Received<br>XXX<br>stmnt.<br>funds to<br>close<br>verified.<br>No<br>reserves<br>required. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 1.76% credit usage ratio.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.44% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 mid score exceeds min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days of<br>application | No | Provide list of<br>homeowners<br>counseling<br>organizations<br>dated within 3<br>days of<br>application. | (No<br>Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.34%; guidelines allow 95%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan<br>Estimate not<br>timely | No | Initial<br>application<br>was taken<br>XXX, the<br>initial LE was<br>not issued until<br>XXX. Greater<br>than the<br>required 3<br>days | 3.30.2026<br>- Initial<br>LE<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.34%; guidelines allow 95%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero percent<br>tolerance fail<br>of $425. Due<br>to Condo<br>Processing fee<br>added on LE<br>issued XXX<br>with no<br>internal COC<br>in file. Provide<br>Internal COC<br>reflecting valid<br>reason for the<br>fee changes<br>within 3<br>business days<br>of change -<br>OR- PCCD<br>with cure,<br>copy of cure<br>check, LOE to<br>Borrower and<br>Evidence of<br>delivery via<br>method<br>including<br>tracking,<br>within 60 days<br>of<br>consummation. | 3.30.2026<br>-COC<br>provided | 3.30.2026<br>-<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.34%; guidelines allow 95%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 82 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in<br>the CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it<br>and/or Your<br>lender does<br>not offer one<br>are selected | No | Reason for not<br>having escrow<br>account not<br>selected on CD<br>XXX before<br>closing, it was<br>updated on<br>final PCCD<br>XXX. | (No<br>Data) | (No Data) | Non-Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $223,231.72 exceed $0 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer for over 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.70% is below Guidelines 45% maximum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $223,231.72 exceed $0 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer for over 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.70% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $223,231.72 exceed $0 required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with same employer for over 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.70% is below Guidelines 45% maximum. |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID -<br>CD: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | No | Final CD<br>issued<br>XXX The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and neither<br>of You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected. | 4.2.2026 -<br>PCCD received | 4.2.2026 -<br>Exception satisfied | Non-Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history reflect no derogs, all accounts paid as agreed with oldest trade line dating back to 07/2016.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves are $164,295.67 or 43.97 months. AUS requires 0 months reserves. |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing<br>Hazard<br>Insurance | No | Provide<br>subject<br>HOI dec<br>page. The<br>one<br>provided is<br>for<br>previous<br>REO. | 3/27/2026:<br>Received RCE.<br>Still need HOI<br>dec<br>page.3/31/2026:<br>Received HOI<br>Dec page. | 3/27/2026:<br>Exception<br>remains.3/31/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history reflect no derogs, all accounts paid as agreed with oldest trade line dating back to 07/2016.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves are $164,295.67 or 43.97 months. AUS requires 0 months reserves. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID —<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete fee<br>entry | No | Seller CD<br>is not in<br>file. It is<br>needed to<br>verify/<br>complete<br>TRID<br>entries. | 3.27.2026<br>— Seller<br>CD<br>provided | 3.27.2026<br>-<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 799 mid score > minimum required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $89,215.78 post closing reserves, 25.57 months PITI for subject property. DU requires $0.00<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 7+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower 2 has65 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | VVOE<br>for B2 is<br>not dated<br>within 10<br>days of<br>closing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 799 mid score > minimum required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $89,215.78 post closing reserves, 25.57 months PITI for subject property. DU requires $0.00<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 7+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower 2 has65 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Missing<br>updated<br>valuation.<br>PIW<br>approved<br>loan.<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 799 mid score > minimum required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $89,215.78 post closing reserves, 25.57 months PITI for subject property. DU requires $0.00<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has 7+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower 2 has65 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $249,643.66 exceed $0 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 exceeds Guidelines minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.33% DTI is below 45% guidelines maximum. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026: BPO<br>provided supports<br>appraised value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets of $249,643.66 exceed $0 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 exceeds Guidelines minimum of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.33% DTI is below 45% guidelines maximum. |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.07% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 720 mid score exceeds min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | XXX#XXX<br>payoff in<br>file dated<br>12/30/25.<br>Credit<br>report<br>reflects<br>trade line as<br>a Lease vs.<br>Loan.<br>Credit<br>supplement<br>verifies<br>debt was<br>paid<br>12/30/2025.<br>Lease is up<br>in 6/2026.<br>Provide<br>source of<br>funds to<br>payoff debt.<br>Additional<br>conditions<br>may apply. | 3/31/2026:<br>Received docs for<br>XXX payoff.<br>Loan was paid<br>12/30/2025 for<br>$55,525.60. The<br>XXX stmnt in the<br>original PDF has<br>a $2,716.32<br>balance and no<br>history showing<br>the payoff<br>transaction.<br>Source of funds<br>still<br>required.4/7/2026:<br>Lender rebuttal<br>stating doc<br>received<br>3/31/2026 are<br>sufficient.<br>Clayton disagrees.<br>Source of funds to<br>pay off the auto<br>lease is<br>required.4.8.2026:<br>lender provided<br>evidence payoff<br>funds came from<br>sale of the car to<br>XXX | 3/31/2026:<br>Exception<br>remains.4/7/2026:<br>Excep[tion<br>remains.4.8.2026:<br>exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 701 / 722 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer > 6 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #189 months, |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026: BPO<br>provided supports<br>appraised value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.22% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 score exceeds min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.22% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 score exceeds min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 97%. |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 3/30/2026:<br>Received Safe<br>Harbor<br>determination. | 3/30/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 fico score exceeds guidelines 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on credit report |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance<br>Expiration<br>date is prior<br>than the<br>transaction<br>date | No | HOI expires<br>same day as<br>Note Date.<br>Provide the<br>renewal dec<br>page and<br>verification<br>no change to<br>Premium.<br>Additional<br>conditions<br>may apply. | 4/6/2026:<br>Received<br>Condo Master<br>XXX-XXX,<br>includes<br>walls-in.<br>Renewed<br>H06, not<br>required. | 4/6/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 fico score exceeds guidelines 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on credit report |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 fico score exceeds guidelines 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on credit report |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 fico score exceeds guidelines 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: No lates on credit report |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower 1 receives bonus income reflected on current paystub not used to qualify<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 427 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 53 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets = $266,506.80 > $27,330.84 reserves required by LP<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 2.3%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.73% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 score exceeds min required of 620 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Homeowners<br>counseling<br>organizations<br>not in file. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been XXX since 2013<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been XXX since 2013<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>approved<br>PIW. Clayton<br>to order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been XXX since 2013<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has been XXX since 2013<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #304 months, Credit ratio 8.79%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 815/798 exceeds minimum of 620 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 3/27/2026:<br>Received Safe<br>Harbor<br>Determination | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 775 exceeds guideline of 620<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0 mortgage lates reported |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 62 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 23.26% is below guideline maximum 45%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 25 months mortgage payment history 0x30<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 764, min required 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.93%, guideline 45% |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period | No | ROR Signed<br>XXX with<br>Expiration<br>Date of XXX.<br>Final CD<br>Disbursement<br>Date is XXX<br>Disbursement<br>Date is before<br>end of<br>statutory<br>rescission<br>period. | 4.3.2026 -<br>Final ALTA<br>and PCCD<br>received | 4.3.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of 12 X 30 X xx months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 771 > min required score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 65 months > max permitted of 24 X 30 X xx months. |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>Determination. | 4/6/2026:<br>Received Safe<br>Harbor<br>determination. | 4/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of 12 X 30 X xx months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 771 > min required score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 65 months > max permitted of 24 X 30 X xx months. |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer debt 0 x 30 X 175 months > max permitted of 12 X 30 X xx months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 771 > min required score of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 X 65 months > max permitted of 24 X 30 X xx months. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing the<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $2,057.56<br>due to<br>discount<br>points<br>increased<br>from initial<br>LE to final<br>CD. Missing<br>a valid<br>Change of<br>Circumstance<br>with specific<br>fee increase,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower.<br>The COC date<br>XXX did not<br>inform<br>borrower of<br>amount for<br>Rate Lock | 3.27.2026 -<br>COC<br>provided | 3.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>>2.5. Clayton<br>to order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 71.40%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>lender QM<br>determination. | 3/27/2026:<br>Received Safe<br>Harbor<br>determination. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the departing primary residence 5.42 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x63 mortgage payment history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 4/2003, reporting 0x30 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 3/25/2026:<br>BPO provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the departing primary residence 5.42 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x63 mortgage payment history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 4/2003, reporting 0x30 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years in the same profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the departing primary residence 5.42 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x63 mortgage payment history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 4/2003, reporting 0x30 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years at primary residence.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 4.340%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 26+ years at present job |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $21,927.06 exceed min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified fico 783 mid score > minimum required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 26.02% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.50% |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $27,415.34 (4.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower has over 20 years at current job |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.77% is below the guideline maximum of 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 3/25/2026:<br>Received<br>BPO not<br>supporting<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.77% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value<br>Not<br>Supported | No | 3/25/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 4/2/2026:<br>Received<br>Ext 2055<br>report<br>supporting<br>value. | 4/2/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.77% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $229,206.43- $182,488.13 funds to close = $46,718.25 reserves.$19,486 or 8 months required per AUS$27,232.25 reserves not needed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have40 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.66%; guidelines allow 90%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower's has good credit history. Credit score is 800.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.26% |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 78.20%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.99% is below the guideline maximum of 45%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to<br>Close | No | Provide<br>evidence of<br>sufficient<br>funds, as<br>per AUS.<br>Missing<br>XXX<br>account<br>statements<br>funds, not<br>in file. Loan<br>is short<br>$104,893.66<br>funds to<br>close. | 3/30/2026: Docs<br>uploaded are for<br>another loan and<br>the PDF is<br>corrupt.4/6/2026:<br>Received<br>additional assets.<br>Funds to close<br>requirement met.<br>DU requires no<br>reserves. | 3/30/2026:<br>Exception<br>remains.4/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 779 exceeds guideline minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below Guidelines maximum of 95%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.12% is below guideline maximum of 45% |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C | CMPTRID3966 | TRID -<br>CD: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | Yes | Final CD<br>XXX loan<br>disclosure<br>section<br>Escrow<br>account<br>does not<br>select why<br>will not<br>have an<br>escrow<br>account. | 3.27.2026 -<br>PCCD received | 3.27.2026 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.96% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>>2.5.<br>Clayton to<br>order desk<br>review. | 3/25/2026: CDA<br>provided<br>supports<br>appraised value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for more than 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.96% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrowers credit score of 734 exceeds the minimum requirement of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence, subject property, for 19 years 5 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 17 years. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Missig<br>inspection<br>post<br>FEMA<br>Disaster<br>declared<br>XXX -<br>XXX. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.6% is below guideline maximum 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 54 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $93,835.89 > min required of $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 803 exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $68155.14 exceeds reserve requirement of $0.00<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified DTI 43.94 is below guideline maximum of 45% or AUS if approved higher |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not in file | No | There is<br>no copy of<br>the HCO<br>with list of<br>counseling<br>agencies<br>in the file. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22+ years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score of 722 > required 620 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22+ years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score of 722 > required 620 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect ROR<br>Form Used -<br>H8 Form Used<br>in Refinance<br>With Original<br>Creditor | No | Same lender<br>refinance<br>lender used<br>H8 ROR form<br>instead of the<br>H9 ROR form<br>for same<br>lender<br>refinances.<br>(XXX is<br>lender on<br>Note and<br>original lender<br>on Title). | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22+ years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score of 722 > required 620 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or the<br>revised LE/CD<br>was not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Title Exam<br>was added for<br>$200, Title<br>Courier was<br>added for<br>$30.00 and<br>Title Wire<br>was added for<br>$15.00 on<br>initial CD<br>XXX for an<br>increase of<br>$242.00. SPL<br>is missing<br>from the<br>Loan. | 3.30.2026<br>-SPL<br>provided<br>fees were<br>shoppable | 3.30.2026<br>-<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22+ years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score of 722 > required 620 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | No | Written list of<br>providers was<br>not provided.<br>Ten %<br>tolerance<br>increased<br>without a<br>Valid reason.<br>Need<br>evidence of<br>change of<br>circumstances.<br>Fees in<br>section C<br>increase by<br>$678.34. | 3.30.2026<br>-SPL<br>provided<br>fees were<br>shoppable | 3.30.2026<br>-<br>Exception<br>satisfied | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 22+ years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid credit score of 722 > required 620 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | PIW approved<br>loan. Clayton<br>to order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 372 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | PIW approved<br>loan. Clayton<br>to order BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 372 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score 789, guideline 620<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 54 months mortgage payment history 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $3,401,533.90 or 710 months PITIA in reserves. No reserves required. |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score<br>2.7.<br>Clayton<br>to order<br>Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTT 33.27% is below maximum allowed 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves are 107 months of PITIA . Required reserves $0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 exceeds minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80 % is below maximum allowed 97%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments or collections on credit report. |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 797 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #264 months, Credit ratio 12.35% |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 797 exceeds minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in #264 months, Credit ratio 12.35% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7 years with current company<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 fico exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | FEMA | Active B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Missing<br>inspection<br>post FEMA<br>Declaration<br>for XXX<br>XXX.<br>Appraisal<br>date XXX. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 787 / 796 exceeds minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $47,428.97 Required Reserves are $0.00<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt 0x30 x greater than 99 months |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3640 | TRID -<br>CD: Zero<br>tolerance<br>fee or fees<br>increased<br>at or prior<br>to closing<br>without a<br>valid<br>reason or<br>the revised<br>LE/CD<br>was not<br>timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Zero Percent<br>Tolerance<br>Violation due<br>to increase in<br>Credit Report<br>fee $175 from<br>LE XXX to<br>$487.20 on<br>Final CD<br>2/6/26<br>without a<br>valid Change<br>in<br>Circumstance.<br>Zero<br>tolerance cure<br>credit of<br>$287.64 on<br>final CD not<br>sufficient<br>($25.56 less).<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 4.2.2026 -<br>Cure<br>provided<br>via<br>PCCD,<br>LOX,<br>check and<br>proof of<br>delivery. | 4.2.2026 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $254,022.85/ 68 months PITIA > min required of $0.00<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.48% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>Returned no<br>score.<br>Clayton to<br>order Desk<br>Review. | 3/25/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $254,022.85/ 68 months PITIA > min required of $0.00<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 57 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 45.48% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 620 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | Missing<br>the seller<br>CD. | 3.30.2026<br>-Seller CD<br>provided. | 3.30.2026<br>-<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has been in same profession for 15 years. Borrower 2 has been in same profession for 30 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $157,500.92 exceed required $0.00 reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.35% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines at 1.50% . |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21+ years at present job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.75%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0.00% |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.07%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $356,841.93 / 82.19 months PITIA > min required of $0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 mid score > min required of 620<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 6.07%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $356,841.93 / 82.19 months PITIA > min required of $0 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 exceeds the guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 32.30% is below the maximum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $205,176.85 or 53.18 mos. PITIA. DU required reserves = $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.69% |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 exceeds the guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 32.30% is below the maximum of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $205,176.85 or 53.18 mos. PITIA. DU required reserves = $0.00<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.69% |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18+ years at present job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.32 is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | Texas<br>Home<br>Equity | Active C | CMPTXHE119 | Texas<br>Equity -<br>Affidavit<br>of Fair<br>Market<br>Value not<br>signed by<br>lender | Yes | Missing<br>LO<br>signature<br>on FMV. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgages paid as agreed with no lates since 2018<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 760 mid score > min required of 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years at primary residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 20.59% |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$25,305.00,<br>max<br>allowed is<br>$23,130.93;<br>($2,174.07<br>too high). | 3/27/2026:<br>Received<br>bonafide fee<br>docs. Loan is<br>now Safe<br>Harbor and<br>fees <3%. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 60 Months verified no 30x lates<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.62 below 50% max<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying 726 FICO exceeds minimum 620 Fico requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $71,757.27 (14.06 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$25,305.00,<br>max<br>allowed is<br>$23,130.93;<br>($2,174.07<br>too high). | 3/27/2026:<br>Received<br>bonafide fee<br>docs. Loan is<br>now Safe<br>Harbor and<br>fees <3%. | 3/27/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 60 Months verified no 30x lates<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.62 below 50% max<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying 726 FICO exceeds minimum 620 Fico requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $71,757.27 (14.06 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Public) | No | FEMA<br>declaration<br>for XXX<br>XXX and<br>appraisal<br>date XXX. | 3/27/2026:<br>Client<br>acknowledges<br>Level 2<br>exception. | 3/27/2026:<br>Waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 60 Months verified no 30x lates<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI 23.62 below 50% max<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying 726 FICO exceeds minimum 620 Fico requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $71,757.27 (14.06 months PITIA reserves) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $25,259.18 or 5.46 months of PITIA.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ration 0.67%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $25,259.18 or 5.46 months of PITIA.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit usage ration 0.67%. |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $231,124.22 - $121,151,52 funds to close = $109,972.70 reserves.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2013 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $231,124.22 - $121,151,52 funds to close = $109,972.70 reserves.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Good mortgage pay history 0x30 since 2013 per CR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 score exceeds 620 minimum. |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.44% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $52,426.83 or 8.75 months of PITI > min required of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 3/25/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 3/25/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.44% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $52,426.83 or 8.75 months of PITI > min required of $0.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 741 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $49031.94 or x 13.20 months of P&I<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 723 fico score exceeds guidelines 620<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current residence |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF4 J16696** |
|  <br> **Conditions Report 2.0** | <br> **Conditions Report 2.0** |
| ***Loans in Report:*** | *255* |
| ***Loans with Conditions:*** | *205* |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX D B A | No |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | XXXXXX D B A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | XXXXXX D C | Not Applicable |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | XXXXXX D A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | XXXXXX D B C A | No |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF4 J16696** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *255* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;418 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 5428.8 | XXXXXX | 6.6085 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8288 | XXXXXX | 6.0933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6887.6 | XXXXXX | 6.2135 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7498 | XXXXXX | 6.1824 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6128 | XXXXXX | 6.9572 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12578 | XXXXXX | 5.8979 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5708 | XXXXXX | 6.2373 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11288 | XXXXXX | 6.2719 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10069.65 | XXXXXX | 6.3001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9088 | XXXXXX | 6.1989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 13781.63 | XXXXXX | 6.1555 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11133.14 | XXXXXX | 6.1472 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3003.15 | XXXXXX | 5.7634 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 74 | XXXXXX | 7.0303 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16125 | XXXXXX | 6.6419 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11638 | XXXXXX | 6.1267 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1328 | XXXXXX | 6.1429 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3011 | XXXXXX | 7.0454 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5788 | XXXXXX | 6.0033 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8615 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17208 | XXXXXX | 6.3012 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8849 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5831.46 | XXXXXX | 6.4154 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2300 | XXXXXX | 5.9287 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3832 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3949 | XXXXXX | 6.068 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7215.8 | XXXXXX | 6.1166 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 850.25 | XXXXXX | 6.1382 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2190 | XXXXXX | 5.9933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.9173 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6759.21 | XXXXXX | 7.0316 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4033.99 | XXXXXX | 5.9192 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1569 | XXXXXX | 6.0339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0043 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;443 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6863.84 | XXXXXX | 6.4448 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2659 | XXXXXX | 6.5386 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1598 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10434.05 | XXXXXX | 6.3075 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6932.15 | XXXXXX | 5.7459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8319.57 | XXXXXX | 5.6916 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4660.2 | XXXXXX | 5.6983 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8030.11 | XXXXXX | 5.8762 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6874.64 | XXXXXX | 5.9289 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3269 | XXXXXX | 5.8996 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2346.92 | XXXXXX | 6.052 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8231.82 | XXXXXX | 6.4456 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9432 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9214.01 | XXXXXX | 6.0215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.2599 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2273.3 | XXXXXX | 6.1648 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2459 | XXXXXX | 6.4566 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;386 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2864 | XXXXXX | 6.0203 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2197.54 | XXXXXX | 5.8081 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.6576 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2174 | XXXXXX | 5.8444 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8629 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4787.8 | XXXXXX | 6.1693 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6274.25 | XXXXXX | 7.1108 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3420.3 | XXXXXX | 6.2542 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.4132 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4172.9 | XXXXXX | 6.2202 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2199 | XXXXXX | 6.1241 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2901.23 | XXXXXX | 5.6684 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3396.84 | XXXXXX | 5.9359 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.5423 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5145.58 | XXXXXX | 6.1198 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0574 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.9149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1358.16 | XXXXXX | 6.1648 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.8875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.5385 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.2025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2544 | XXXXXX | 6.7495 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4534.29 | XXXXXX | 6.2953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1044 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5624.4 | XXXXXX | 6.1339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2407.61 | XXXXXX | 5.9308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3219 | XXXXXX | 5.8407 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2644 | XXXXXX | 6.0194 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9151 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9334 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6055.92 | XXXXXX | 6.2319 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 250 | XXXXXX | 6.1517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 966.24 | XXXXXX | 5.9032 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0334 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14938.58 | XXXXXX | 6.0504 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7335.85 | XXXXXX | 5.7893 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1655 | XXXXXX | 5.9439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.7418 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3602 | XXXXXX | 5.8157 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3739.45 | XXXXXX | 6.4202 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3830.01 | XXXXXX | 6.0092 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.9146 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2443.05 | XXXXXX | 6.0279 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2509 | XXXXXX | 6.1385 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2565 | XXXXXX | 5.6575 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 818 | XXXXXX | 5.8897 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 790.29 | XXXXXX | 6.2729 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 5.7817 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 924 | XXXXXX | 6.1801 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1415 | XXXXXX | 6.0225 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9658 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0275 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.0343 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2875.76 | XXXXXX | 5.9612 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;479 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3295.3 | XXXXXX | 6.0269 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4996.2 | XXXXXX | 5.7584 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8555.62 | XXXXXX | 5.7087 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6073.43 | XXXXXX | 5.7148 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.6569 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.99 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3338 | XXXXXX | 5.9072 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.8081 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.9855 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2194 | XXXXXX | 5.992 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4058.92 | XXXXXX | 5.9752 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;494 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10210.8 | XXXXXX | 6.0174 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2192.97 | XXXXXX | 5.9159 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0223 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4271.52 | XXXXXX | 5.9654 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;499 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7676.8 | XXXXXX | 6.3606 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.9281 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.0184 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 5.9591 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6079.75 | XXXXXX | 6.222 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.0392 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3962.94 | XXXXXX | 6.4884 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2686.24 | XXXXXX | 5.6474 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9990.86 | XXXXXX | 6.1357 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9708 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4665.66 | XXXXXX | 6.5237 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;506 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1261.31 | XXXXXX | 6.012 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1461.8 | XXXXXX | 5.8661 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1305 | XXXXXX | 5.8513 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2644 | XXXXXX | 6.1595 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4003.51 | XXXXXX | 6.5539 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.124 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6618.32 | XXXXXX | 5.9081 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 1574 | XXXXXX | 5.9117 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1415 | XXXXXX | 5.6821 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 6.0248 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7030.75 | XXXXXX | 6.3447 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2789 | XXXXXX | 6.0214 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 517.12 | XXXXXX | 6.1596 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1574 | XXXXXX | 6.4039 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5293 | XXXXXX | 5.8903 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7020.92 | XXXXXX | 5.8294 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.6081 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5093.1 | XXXXXX | 5.7468 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.1772 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2739 | XXXXXX | 5.654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8246.84 | XXXXXX | 5.7307 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9310 | XXXXXX | 6.4194 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8371.85 | XXXXXX | 6.2454 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10795.2 | XXXXXX | 7.0629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2097 | XXXXXX | 6.4895 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1815 | XXXXXX | 6.5263 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.033 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1945 | XXXXXX | 6.5196 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1750 | XXXXXX | 6.6484 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 7.6945 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5810 | XXXXXX | 6.5045 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10115 | XXXXXX | 6.3832 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7457.98 | XXXXXX | 6.7651 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.0588 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.4793 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6196.6 | XXXXXX | 5.8624 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1395 | XXXXXX | 6.0609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.9098 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 300 | XXXXXX | 6.0229 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6524 | XXXXXX | 5.9865 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1295 | XXXXXX | 6.1731 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.8749 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.854 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2340 | XXXXXX | 6.459 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1800 | XXXXXX | 6.4997 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1035 | XXXXXX | 6.0286 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 5.9375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 4.9861 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7410 | XXXXXX | 6.6622 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1100 | XXXXXX | 7.1426 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1795 | XXXXXX | 6.2401 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2485.3 | XXXXXX | 6.9369 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.124 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1245 | XXXXXX | 6.1477 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2145 | XXXXXX | 6.431 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 983.38 | XXXXXX | 5.5535 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 7.2969 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX | 6.1414 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.6617 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 7.149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6697.55 | XXXXXX | 6.4411 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2160 | XXXXXX | 5.9364 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2065.92 | XXXXXX | 5.8997 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2395 | XXXXXX | 6.5365 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1418 | XXXXXX | 6.1853 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;409 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6395 | XXXXXX | 5.9796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6277.52 | XXXXXX | 6.1351 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1400 | XXXXXX | 5.9027 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |

---

------

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1805 | XXXXXX | 6.7654 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4792.53 | XXXXXX | 6.0148 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2362 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7748.53 | XXXXXX | 5.9803 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13640.76 | XXXXXX | 6.2235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3148.67 | XXXXXX | 6.1905 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9798.62 | XXXXXX | 6.204 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2809.84 | XXXXXX | 5.943 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.7962 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.8762 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5107.44 | XXXXXX | 6.3577 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2440 | XXXXXX | 6.4377 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;292 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3988.18 | XXXXXX | 7.5812 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.1927 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2498.68 | XXXXXX | 6.0677 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16240.96 | XXXXXX | 7.1377 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;296 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 850 | XXXXXX | 6.0084 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3528.95 | XXXXXX | 6.0451 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2940 | XXXXXX | 6.3681 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 595 | XXXXXX | 6.5008 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 18804 | XXXXXX | 7.3966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;299 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9567.1 | XXXXXX | 6.0986 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2445 | XXXXXX | 6.6606 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 5.9293 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;302 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 20359 | XXXXXX | 6.7613 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11185 | XXXXXX | 6.0425 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3670 | XXXXXX | 6.8022 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6900 | XXXXXX | 6.0947 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan**<br> **Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9838 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2775.65 | XXXXXX | 6.0896 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;311 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.0166 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1476 | XXXXXX | 5.9429 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;318 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 7.4169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6045 | XXXXXX | 6.5077 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.9021 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8533.08 | XXXXXX | 6.0342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1000 | XXXXXX | 6.2017 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9885 | XXXXXX | 6.8924 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.3465 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;380 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 5.8947 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 17486.11 | XXXXXX | 5.9157 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 6.0669 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2601.25 | XXXXXX | 6.0557 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;563 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1458.36 | XXXXXX | 6.4239 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1598 | XXXXXX | 5.9068 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 6.1489 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 55.31 | XXXXXX | 6.6342 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9969 | XXXXXX | 5.9708 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.0235 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2763.43 | XXXXXX | 6.5427 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9325 | XXXXXX | 5.5471 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1580 | XXXXXX | 6.1513 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3241.18 | XXXXXX | 6.174 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6273 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;392 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7510 | XXXXXX | 6.6492 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF4 J16696 |

---

**Loan Level Tape Compare Upload** 

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Cash Reserves | 301277.30 | 127618.59 |
| &nbsp;&nbsp;&nbsp;421 | XXXXXX | XXXXXX | Cash Reserves | 281748.93 | 203688.93 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.0010 | 40.6053 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | Cash Reserves | 11230.10 | 1838.61 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Cash Reserves | 107678.94 | 31838.18 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Cash Reserves | 379284.92 | 271322.51 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 259316.98 | 91794.15 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6250.01 | 12693.66 |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 753 | 721 |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | Cash Reserves | 45330.10 | 62584.87 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Cash Reserves | 30500.15 | 13604.24 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;429 | XXXXXX | XXXXXX | Cash Reserves | 295958.73 | 28624.32 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;371 | XXXXXX | XXXXXX | Cash Reserves | 52168.45 | 34547.56 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Cash Reserves | 69849.02 | 20746.08 |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Cash Reserves | 332527.67 | 36980.19 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | Cash Reserves | 234481.33 | 97317.75 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | Cash Reserves | 151981.60 | 7367.54 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | Cash Reserves | 282630.83 | 72824.17 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Cash Reserves | 203404.82 | 50001.15 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Cash Reserves | 31109.41 | 1227.15 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Cash Reserves | 802077.51 | 267463.36 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Cash Reserves | 222429.75 | 85090.33 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 47.1940 | 39.0809 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | Cash Reserves | 163863.09 | 18789.07 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Cash Reserves | 17062.84 | 93744.65 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.9790 | 46.4230 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | Cash Reserves | 185140.08 | 68043.68 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;448 | XXXXXX | XXXXXX | Cash Reserves | 239405.72 | 149640.42 |
| &nbsp;&nbsp;&nbsp;347 | XXXXXX | XXXXXX | Cash Reserves | 1028379.44 | 4376357.98 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Cash Reserves | 270974.15 | 930642.61 |
| &nbsp;&nbsp;&nbsp;449 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.8680 | 35.8908 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6655.60 | 4862.00 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Cash Reserves | 102497.58 | 36186.45 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Cash Reserves | 3415.35 | 2233.96 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | Cash Reserves | 199950.34 | 110187.28 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1.00 | 18358.00 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Cash Reserves | 247085.74 | 77342.77 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;451 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Appraisal Form Type | Other | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | Cash Reserves | 3.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | Appraisal Form Type | Other | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;456 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1.00 | 19487.92 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;459 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;461 | XXXXXX | XXXXXX | Cash Reserves | 227263.98 | 53614.38 |
| &nbsp;&nbsp;&nbsp;463 | XXXXXX | XXXXXX | Cash Reserves | 6157.43 | 1951.06 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Cash Reserves | 130076.58 | 11127.95 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | Cash Reserves | 15177.25 | 21720.00 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | Cash Reserves | 137515.65 | 63429.50 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Cash Reserves | 6299.45 | 3296.20 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Cash Reserves | 2725.43 | 1874.89 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;476 | XXXXXX | XXXXXX | Cash Reserves | 182061.00 | 92514.83 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | Cash Reserves | 166212.72 | 113769.81 |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;483 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.2490 | 32.0356 |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;485 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11377.60 | 14702.58 |
| &nbsp;&nbsp;&nbsp;384 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;488 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.2040 | 41.8224 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Cash Reserves | 109107.86 | 6770.54 |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;497 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;340 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.1340 | 34.1926 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;501 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5534.57 | 8626.57 |
| &nbsp;&nbsp;&nbsp;339 | XXXXXX | XXXXXX | Cash Reserves | 15999.26 | 11019.36 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10226.67 | 14370.42 |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | Borrower 1 Total Income | 21614.06 | 33678.87 |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | Cash Reserves | 13000.00 | 17966.84 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Cash Reserves | 8161.97 | 2085.83 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

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------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;342 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | Cash Reserves | 19839.15 | 9122.59 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | Cash Reserves | 5305.01 | 32398.61 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | 1004 SFR (Mar 05) |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7578.59 | 10268.04 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | Cash Reserves | 10507.16 | 14120.42 |
| &nbsp;&nbsp;&nbsp;354 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;515 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;518 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.9019 | 35.3253 |
| &nbsp;&nbsp;&nbsp;519 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10416.66 | 20387.34 |
| &nbsp;&nbsp;&nbsp;356 | XXXXXX | XXXXXX | Cash Reserves | 8220.91 | 0.00 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | Cash Reserves | 192492.22 | 18705.66 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | Cash Reserves | 304005.68 | 144904.21 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | Cash Reserves | 483465.60 | 61501.14 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.9090 | 22.0823 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | Total Monthly Income | 17061.68 | 26972.18 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6504.00 | 11727.42 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 25 Yr Fixed |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | Cash Reserves | 1298196.38 | 652189.62 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Borrower 1 Total Income | 32359.43 | 42950.49 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Cash Reserves | 233024.72 | 85933.42 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 17.9960 | 13.5586 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | Total Monthly Income | 32359.43 | 42950.49 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | Cash Reserves | 141533.00 | 19154.61 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | Cash Reserves | 152656.38 | 59430.33 |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | Cash Reserves | 191001.56 | 56270.67 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | Cash Reserves | 343588.95 | 707404.01 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Cash Reserves | 211811.73 | 49750.01 |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | XXXXXX | Cash Reserves | 163945.98 | 32599.38 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | Cash Reserves | 369414.46 | 152912.14 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Cash Reserves | 300000.00 | 151083.34 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Cash Reserves | 395363.45 | 21639.33 |
| &nbsp;&nbsp;&nbsp;399 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Cash Reserves | 115894.25 | 11894.25 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3204.10 | 7601.66 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | Cash Reserves | 7000.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7477.19 | 11640.61 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | Cash Reserves | 5253.38 | 0.00 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | Cash Reserves | 249862.70 | 139368.94 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | Cash Reserves | 136241.07 | 17798.81 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | Cash Reserves | 59735.17 | 38036.48 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;567 | XXXXXX | XXXXXX | Cash Reserves | 226350.98 | 94130.63 |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | Cash Reserves | 241274.00 | 131136.74 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Cash Reserves | 464847.89 | 243928.39 |
| &nbsp;&nbsp;&nbsp;275 | XXXXXX | XXXXXX | Representative Credit Score for Grading | 691 | 738 |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;278 | XXXXXX | XXXXXX | Cash Reserves | 23474.13 | 13780.11 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | Cash Reserves | 103263.18 | 136371.85 |
| &nbsp;&nbsp;&nbsp;279 | XXXXXX | XXXXXX | Cash Reserves | 370623.02 | 143387.74 |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;281 | XXXXXX | XXXXXX | Cash Reserves | 101971.09 | 7433.98 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Cash Reserves | 1393285.25 | 748255.90 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Cash Reserves | 395676.17 | 223231.72 |
| &nbsp;&nbsp;&nbsp;532 | XXXXXX | XXXXXX | Cash Reserves | 258244.00 | 164295.67 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | Borrower 1 Total Income | 1744.17 | 4623.12 |
| &nbsp;&nbsp;&nbsp;289 | XXXXXX | XXXXXX | Cash Reserves | 239643.79 | 89215.78 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | Cash Reserves | 376141.93 | 249643.66 |
| &nbsp;&nbsp;&nbsp;407 | XXXXXX | XXXXXX | Cash Reserves | 506397.72 | 134544.19 |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;533 | XXXXXX | XXXXXX | Cash Reserves | 133451.89 | 36896.27 |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;294 | XXXXXX | XXXXXX | Cash Reserves | 159777.45 | 9421.51 |
| &nbsp;&nbsp;&nbsp;295 | XXXXXX | XXXXXX | Cash Reserves | 312357.33 | 212018.79 |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;534 | XXXXXX | XXXXXX | Cash Reserves | 1221379.68 | 856724.46 |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;297 | XXXXXX | XXXXXX | Cash Reserves | 184408.66 | 3327.62 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Cash Reserves | 56687.00 | 25815.76 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.6250 | 23.2645 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | Cash Reserves | 408816.43 | 12232.47 |
| &nbsp;&nbsp;&nbsp;536 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | Cash Reserves | 272629.24 | 170542.91 |
| &nbsp;&nbsp;&nbsp;303 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Cash Reserves | 120111.33 | 27415.34 |
| &nbsp;&nbsp;&nbsp;542 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;309 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | Cash Reserves | 351626.67 | 72016.58 |
| &nbsp;&nbsp;&nbsp;545 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Cash Reserves | 469420.08 | 332566.53 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Cash Reserves | 321843.52 | 68835.89 |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | Cash Reserves | 226567.38 | 68155.14 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | Cash Reserves | 356673.78 | 238722.42 |
| &nbsp;&nbsp;&nbsp;555 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Jun 93) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;561 | XXXXXX | XXXXXX | Cash Reserves | 342593.71 | 189622.42 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | Cash Reserves | 906614.32 | 202089.58 |
| &nbsp;&nbsp;&nbsp;562 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9310 | 39.2487 |
| &nbsp;&nbsp;&nbsp;408 | XXXXXX | XXXXXX | Cash Reserves | 171000.00 | 47428.97 |
| &nbsp;&nbsp;&nbsp;564 | XXXXXX | XXXXXX | Cash Reserves | 433400.00 | 157500.92 |
| &nbsp;&nbsp;&nbsp;411 | XXXXXX | XXXXXX | Cash Reserves | 29401.70 | 5312.88 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;365 | XXXXXX | XXXXXX | Cash Reserves | 319916.11 | 205176.85 |
| &nbsp;&nbsp;&nbsp;378 | XXXXXX | XXXXXX | Cash Reserves | 331236.00 | 30780.10 |
| &nbsp;&nbsp;&nbsp;367 | XXXXXX | XXXXXX | Borrower 1 Total Income | 2603.33 | 7117.57 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | Cash Reserves | 633000.00 | 71757.37 |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;395 | XXXXXX | XXXXXX | Cash Reserves | 190979.53 | 25259.18 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Cash Reserves | 235984.22 | 110155.54 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | Appraisal Form Type | 1073 Condo (Jun 93) | Property Inspection Waiver |

---

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

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF4 J16696 |
| **Valuations Summary** |  |
| *Loans In Report:* | *255* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 418 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.78% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 421 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 16 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.60% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 423 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 424 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 425 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 428 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 429 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.21% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 431 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 371 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 370 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 432 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 433 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 350 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 30 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 31 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.81% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 34 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% | XXXXXX | XXXXXX | XXXXXX | -15.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 437 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 439 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.89% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 20.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 443 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 53 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 444 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.90% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 446 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.78% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -100.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 448 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 386 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 347 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 449 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.13% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.86% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.43% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.63% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 451 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 452 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.55% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 455 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.73% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 355 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -24.92% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 456 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -9.49% | XXXXXX | XXXXXX | XXXXXX | -16.17% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.32% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 457 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 12.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.65% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.46% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.31% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 459 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.98% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 461 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.91% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 462 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 463 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -16.40% | XXXXXX | XXXXXX | XXXXXX | -14.81% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.55% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 141 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -4.39% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 11.06% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 468 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.32% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.98% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.12% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 476 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 478 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 479 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 483 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 485 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.83% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 384 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.86% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 486 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 375 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.30% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 488 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 10.75% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 388 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.23% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 491 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 492 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.42% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 494 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 374 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -20.27% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 497 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 340 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 499 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 500 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 501 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.27% | XXXXXX | XXXXXX | XXXXXX | -10.80% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 502 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -7.53% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.02% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 339 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.04% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 506 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.38% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 23.32% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.26% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 342 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -14.97% | XXXXXX | XXXXXX | XXXXXX | -10.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 508 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

---

------

---

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -5.81% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 509 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 512 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 354 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.44% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 515 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 518 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.59% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 351 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.41% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 519 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 1.18% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 356 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 11.93% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 569 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 211 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 568 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 3.37% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.51% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -100.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 521 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 399 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -6.02% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 404 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -3.58% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -8.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 523 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 260 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -100.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 263 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 265 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 18.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 267 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 268 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -12.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 526 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 567 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 409 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 272 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 9.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 274 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 275 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 278 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.22% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 394 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 279 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 280 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 281 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 284 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 287 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 6.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 532 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 289 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 291 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 407 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 292 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 533 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 5.85% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 294 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.88% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 295 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 296 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 534 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 297 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 536 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 299 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 301 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 302 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 303 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 542 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 309 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -1.45% | XXXXXX | XXXXXX | XXXXXX | -43.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 390 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 545 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 318 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 547 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 323 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 551 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 327 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 555 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 380 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 561 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.74% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |

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| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value -<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 562 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 408 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 563 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 564 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 411 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.94% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 365 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 378 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 367 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 414 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 395 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 393 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 16.07% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 417 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 4.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 392 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |

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