# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-25-009029
**Filing Date:** 2025-7
**Character Count:** 2467732
**Document Hash:** 8eb2c8a0f6720368683e5357f7ae4b22
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009029.hdr.sgml**: 20250711

**ACCESSION NUMBER**: 0001999371-25-009029

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

**PUBLIC DOCUMENT COUNT**: 45

**CONFORMED PERIOD OF REPORT**: 20250711

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

**FILED AS OF DATE**: 20250711

**DATE AS OF CHANGE**: 20250711

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 251119502

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

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

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

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

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

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

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

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

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2025-NQM3</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.7](ex99-7.htm) | Clarifii Data Compare Report |
| [99.8](ex99-8.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.9](ex99-9.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.10](ex99-10.htm) | Clarifii Valuation Report |
| [99.11](ex99-11.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Clayton Data Compare |
| [99.13](ex99-13.htm) | Clayton Exception Report |
| [99.14](ex99-14.htm) | Clayton Rating Agency Grades |
| [99.15](ex99-15.htm) | Clayton Valuation Summary |
| [99.16](ex99-16.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Consolidated Analytics Data Compare |
| [99.18](ex99-18.htm) | Consolidated Analytics Exception Report |
| [99.19](ex99-19.htm) | Consolidated Analytics Rating Agency Grades |
| [99.20](ex99-20.htm) | Consolidated Analytics Valuation Summary |
| [99.21](ex99-21.htm) | Digital Risk, LLC ("Digital Risk") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Digital Risk Data Integrity Report |
| [99.23](ex99-23.htm) | Digital Risk Rebuttal Findings Report |
| [99.24](ex99-24.htm) | Digital Risk Rating Agency Report |
| [99.25](ex99-25.htm) | Digital Risk Valuation Report |
| [99.26](ex99-26.htm) | Inglet Blair, LLC ("Inglet Blair") Due Diligence Narrative |
| [99.27](ex99-27.htm) | Inglet Blair Data Compare |
| [99.28](ex99-28.htm) | Inglet Blair Exception Report |
| [99.29](ex99-29.htm) | Inglet Blair Rating Agency Grades |
| [99.30](ex99-30.htm) | Inglet Blair Valuation Summary |
| [99.31](ex99-31.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.32](ex99-32.htm) | Selene Data Compare Report |
| [99.33](ex99-33.htm) | Selene Standard Findings Report |
| [99.34](ex99-34.htm) | Selene Rating Agency Grades Summary Report |
| [99.35](ex99-35.htm) | Selene Valuation Report |

---

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | **J.P. MORGAN ACCEPTANCE CORPORATION II** | **J.P. MORGAN ACCEPTANCE CORPORATION II** |
|  | (Depositor) | (Depositor) |
| Date: July 11, 2025 |  | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (if Different):  

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

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

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

Business Name (if Different):  

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

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Global Structured Finance Data Quality Evaluation Approach, February 9, 2022 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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**CERTIFICATION**

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

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

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

---

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

---

Date: <u>July 11, 2025</u>

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

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from January 2020 to June 2025 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between November 2019 and May 2025.

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

The Review was conducted on eight hundred twenty-eight (828) loans selected by the Client. Subsequent to review, the Client reduced the population to eight hundred twenty-seven (827) mortgage loans with an aggregate original principal balance of approximately $352.216 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage

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requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**<u>CREDIT REVIEW (461 Mortgage Loans)</u>**

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

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

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

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

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

**DU/LP/Zippy Review** 

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

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

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

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property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

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

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

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

**<u>LEASES REVIEW (366 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative

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to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

**<u>COMPLIANCE REVIEW (461 Mortgage Loans)</u>**

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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

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

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

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

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

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

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

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

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

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AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**<u>LEASES LIMITED COMPLIANCE REVIEW (53 Mortgage Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

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

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

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

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

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

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

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results

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set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were eight hundred twenty-seven (827) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, three hundred thirty-one (331) (40.02%) loans had an overall loan grade of "B". After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, three hundred twenty-nine (329) (39.78%) loans had an overall loan grade of "B". Fifty-seven (57) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Fitch, Kroll, <br> and Moody's <br> Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;195 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***335*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**335** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;68 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***157*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**157** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**496** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and <br> S&P Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;195 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***322*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**322** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;68 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***157*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**157** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**483** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the five hundred fourteen (514) loans that had a compliance review performed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, two hundred forty-five (245) had a Compliance Review "B" grade. Sixty-four (64) of the loans with an overall grade of "B" had multiple compliance exceptions. Of the five hundred fourteen (514) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, two hundred forty-three (243) had a Compliance Review "B" grade. Fifty-three (53) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;269 | &nbsp;&nbsp;52.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;245 | &nbsp;&nbsp;47.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;271 | &nbsp;&nbsp;52.72% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;243 | &nbsp;&nbsp;47.28% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the eight hundred twenty-seven (827) loans reviewed, under the applicable NRSRO grading criteria, four (4) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;A | &nbsp;&nbsp;823 | &nbsp;&nbsp;99.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Six hundred eighty-seven (687) mortgage loans (83.07%) of the total received an "A" Credit Review grade. The one hundred forty (140) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;687 | &nbsp;&nbsp;83.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;140 | &nbsp;&nbsp;16.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the eight hundred twenty-seven (827) mortgage loans reviewed, four hundred two (402) (48.61%) mortgage loans had tape discrepancies across forty-four (44) unique data fields. The most common tape discrepancies were Note Date (12.45%), Investor: Qualifying Total Debt Ratio (10.28%), and Property Type (7.86%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;103 | &nbsp;&nbsp;12.45% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;85 | &nbsp;&nbsp;10.28% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;65 | &nbsp;&nbsp;7.86% |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;60 | &nbsp;&nbsp;7.26% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;59 | &nbsp;&nbsp;7.13% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;58 | &nbsp;&nbsp;7.01% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;53 | &nbsp;&nbsp;6.41% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;51 | &nbsp;&nbsp;6.17% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;50 | &nbsp;&nbsp;6.05% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;48 | &nbsp;&nbsp;5.80% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;40 | &nbsp;&nbsp;4.84% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;37 | &nbsp;&nbsp;4.47% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;37 | &nbsp;&nbsp;4.47% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.51% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.39% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.26% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;22 | &nbsp;&nbsp;2.66% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.54% |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.06% |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.69% |

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.73% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;439 | &nbsp;&nbsp;53.08% | &nbsp;&nbsp;$243157279.00 | &nbsp;&nbsp;69.04% |
| &nbsp;&nbsp;N/A (investment property consumer mortgage) | &nbsp;&nbsp;366 | &nbsp;&nbsp;44.26% | &nbsp;&nbsp;$98755270.00 | &nbsp;&nbsp;28.04% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;21 | &nbsp;&nbsp;2.54% | &nbsp;&nbsp;$9913068.00 | &nbsp;&nbsp;2.81% |
| &nbsp;&nbsp;Temporary SHQM (GSE/Agency Eligible) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$389900.00 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;804 | &nbsp;&nbsp;97.22% | &nbsp;&nbsp;$342964767.00 | &nbsp;&nbsp;97.37% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;23 | &nbsp;&nbsp;2.78% | &nbsp;&nbsp;$9250750.00 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;827 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$352215517.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;356 | &nbsp;&nbsp;43.05% | &nbsp;&nbsp;$123043667.00 | &nbsp;&nbsp;34.93% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;284 | &nbsp;&nbsp;34.34% | &nbsp;&nbsp;$142224905.00 | &nbsp;&nbsp;40.38% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;102 | &nbsp;&nbsp;12.33% | &nbsp;&nbsp;$46345860.00 | &nbsp;&nbsp;13.16% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;82 | &nbsp;&nbsp;9.92% | &nbsp;&nbsp;$39159059.00 | &nbsp;&nbsp;11.12% |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$1442026.00 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;825 | &nbsp;&nbsp;99.76% | &nbsp;&nbsp;$350753017.00 | &nbsp;&nbsp;99.58% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$977500.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.12% | &nbsp;&nbsp;$485000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;446 | &nbsp;&nbsp;53.93% | &nbsp;&nbsp;$160632439.00 | &nbsp;&nbsp;45.61% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;151 | &nbsp;&nbsp;18.26% | &nbsp;&nbsp;$87395806.00 | &nbsp;&nbsp;24.81% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;64 | &nbsp;&nbsp;7.74% | &nbsp;&nbsp;$24488776.00 | &nbsp;&nbsp;6.95% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;40 | &nbsp;&nbsp;4.84% | &nbsp;&nbsp;$7954299.00 | &nbsp;&nbsp;2.26% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;34 | &nbsp;&nbsp;4.11% | &nbsp;&nbsp;$25070704.00 | &nbsp;&nbsp;7.12% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.87% | &nbsp;&nbsp;$9515642.00 | &nbsp;&nbsp;2.70% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;22 | &nbsp;&nbsp;2.66% | &nbsp;&nbsp;$18027634.00 | &nbsp;&nbsp;5.12% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.06% | &nbsp;&nbsp;$9651250.00 | &nbsp;&nbsp;2.74% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;$3118965.00 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;$6360002.00 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;401 | &nbsp;&nbsp;48.49% | &nbsp;&nbsp;$224539388.00 | &nbsp;&nbsp;63.75% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;395 | &nbsp;&nbsp;47.76% | &nbsp;&nbsp;$112670680.00 | &nbsp;&nbsp;31.99% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.75% | &nbsp;&nbsp;$15005449.00 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**827** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$352215517.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**Grade <br> Impact** | &nbsp;&nbsp;**Exception <br> Type** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;191&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;19 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;18 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;15 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;North Carolina First Lien Late Charge Percent Testing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;North Carolina First Lien Late Charge Grace Period Testing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(County High Cost) Cook County Threshold Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;68 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;21 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient tradelines per credit guidelines | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Available for Closing is insufficient to cover Cash From Borrower. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: UCC Financing Statement/Certificate of Title not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Guarantor Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Operating Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Articles of Organization/Formation not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Certificate of Good Standing not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Corporate Resolution not provided | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has active Tradelines which are less than the minimum required by guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Active Tradeline requirement not met. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;191 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;19 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;18 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note grace period days less than minimum per state | &nbsp;&nbsp;15 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Note Error: Note late charge percentage exceeds maximum per state | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FNMA Points and Fees | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Not Have Escrow - Reason | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;North Carolina First Lien Late Charge Percent Testing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;North Carolina First Lien Late Charge Grace Period Testing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(County High Cost) Cook County Threshold Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Partial Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;68 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;21 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Credit Report is more than 90 days prior to the note date. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: PITIA reserves months discrepancy. | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Lease Agreement not provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Insufficient tradelines per credit guidelines | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient funds for Reserves. Guidelines require | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Other not provided | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Loan to value discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Available for Closing is insufficient to cover Cash From Borrower. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: UCC Financing Statement/Certificate of Title not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

24 \| P a g e<br>

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Missing Document: Guarantor Agreement not provided | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Operating Agreement not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Articles of Organization/Formation not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Certificate of Good Standing not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Corporate Resolution not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Borrower has active Tradelines which are less than the minimum required by guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Active Tradeline requirement not met. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

25 \| P a g e<br>

## Exhibit 99.2

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 303760125 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 303760125 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 303760125 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 303760125 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304067094 | Representative FICO | 695 | 692 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304067094 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304067089 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304029153 | Original Interest Rate | 8 | 4 | Verified | Field Value reflects the Note value |
| 304029153 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304029153 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304319976 | Investor: Qualifying Total Debt Ratio | 5.806 | 12.49476 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304322508 | Investor: Qualifying Total Debt Ratio | 10 | 14.46289 | Verified | Matches approval. |
| 304366430 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304366430 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304366430 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304366430 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304366430 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304366430 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304366430 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304379639 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304379639 | Original Interest Rate | 9.375 | 7.25 | Verified | Field Value reflects the Note value |
| 304379639 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304379639 | Original CLTV | 75 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304379639 | Original LTV | 75 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304379639 | Investor: Qualifying Total Debt Ratio | 15.212 | 6.91817 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304376179 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304380661 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304380661 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304380661 | Investor: Qualifying Total Debt Ratio | 10 | 49.77748 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304383060 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304383060 | Investor: Qualifying Total Debt Ratio | 13.59 | 17.02105 | Verified | Matches approval. |
| 304397898 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304365487 | Subject Debt Service Coverage Ratio | 1.03 | 0.92 | Verified | Field value reflects source document |
| 304397936 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304397936 | Representative FICO | 763 | 780 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304397936 | Investor: Qualifying Total Debt Ratio | 22 | 30.86806 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304388465 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304405613 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304405613 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304405613 | Representative FICO | 729 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304405613 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304405613 | Investor: Qualifying Total Debt Ratio | 20.293 | 8.7783 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304397939 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304401911 | Representative FICO | 660 | 663 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418774 | Original Interest Rate | 8.13 | 7.375 | Verified | Field Value reflects the Note value |
| 304418774 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304418774 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304397975 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304397975 | Original CLTV | 55.56 | 47.61905 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304397975 | Original LTV | 55.56 | 47.61905 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304397975 | Investor: Qualifying Total Debt Ratio | 39 | 33.95378 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304420474 | Original Interest Rate | 8.63 | 7.375 | Verified | Field Value reflects the Note value |
| 304420474 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304397858 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304397858 | Investor: Qualifying Total Debt Ratio | 35.1 | 40.94875 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304397858 | Decision System | DU |  | Verified | Field value reflects source document |
| 304427799 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304427799 | Original Interest Rate | 7.5 | 7.875 | Verified | Field Value reflects the Note value |
| 304427799 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304427799 | Original CLTV | 80 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304427799 | Original LTV | 80 | 85 | Verified | Tape Value reflects the CLTV value |
| 304427799 | Investor: Qualifying Total Debt Ratio | 26.075 | 32.15231 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304427412 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304427412 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304427500 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304432200 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304443456 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304443456 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304432251 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304423426 | Subject Debt Service Coverage Ratio | 2.38 | 2.36 | Verified | Additional taxes added from second parcel/APN |
| 304428309 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304428309 | Subject Debt Service Coverage Ratio | 1.05 | 1.04 | Verified | Lender used lower property tax. |
| 304439846 | Subject Debt Service Coverage Ratio | 1.43 | 1.20 | Verified | Lender used 100% market rent and review results was calculated using annualized income based on verified 9 months STR income in XXXX. |
| 304439764 | Subject Debt Service Coverage Ratio | 1.67 | 1.66 | Verified | Lender used lower insurance premium. |
| 304439275 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304439275 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304439275 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304439275 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304439275 | Original CLTV | 85 | 88.88889 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304439275 | Original LTV | 85 | 88.88889 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 304439275 | Investor: Qualifying Total Debt Ratio | 30.66 | 33.8026 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304458273 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304443295 | Investor: Qualifying Total Debt Ratio | 28.33 | 24.32051 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304438694 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304438694 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304438694 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304438707 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304438707 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304398000 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304398000 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304398000 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304398000 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304398000 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304426502 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304426502 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304426502 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304426502 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304426502 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304432506 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304459185 | Coborrower First Name | xxxx | xxxx | Verified | Borrower not in loan |
| 304459185 | Coborrower Last Name | xxxx | xxxx | Verified | Borrower not in loan |
| 304459185 | Original Interest Rate | 8.25 | 8.125 | Verified | Field Value reflects the Note value |
| 304459185 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304441980 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304441980 | Original Interest Rate | 8 | 7.999 | Verified | Field Value reflects the Note value |
| 304441980 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304441980 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439278 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304439278 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304439278 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304439278 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304459443 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304459248 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304459248 | Investor: Qualifying Total Debt Ratio | 21.756 | 25.48282 | Verified | 1008 reflect total DTI of 25.483% |
| 304442647 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442647 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442647 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304442647 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442647 | Investor: Qualifying Total Debt Ratio | 10 | 49.72137 | Verified | 1008/Approval match 49.721% DTI |
| 304440033 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304439733 | Subject Debt Service Coverage Ratio | 1.15 | 1.04 | Verified | Lender used 100% of market rent $xxxx as qualifying rent. Lease agreement is not provided. |
| 304462279 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304470068 | Investor: Qualifying Total Debt Ratio | 35.333 | 43.38745 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304472432 | Investor: Qualifying Total Debt Ratio | 27.239 | 33.74446 | Verified | 1008/Approval reflect 33.74% Total DTI. |
| 304459237 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304462382 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304462382 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304462382 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477105 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304477105 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477105 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304461017 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304461017 | Original Interest Rate | 7.499 | 7.999 | Verified | Field Value reflects the Note value |
| 304461017 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304461017 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304461017 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304461017 | Original CLTV | 84.87 | 89.9899 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304461017 | Original LTV | 84.87 | 89.9899 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304441798 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304441798 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304441798 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304441798 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304441798 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304443074 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304443093 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304443093 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304443093 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304443093 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304443093 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304481545 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304458719 | Subject Debt Service Coverage Ratio | 1.30 | 1.34 | Verified | Lender used $xxxx market rent for the qualifying rent instead of $xxxx which is the lesser of 110% of the market rent and the lease amount. |
| 304492797 | Investor: Qualifying Total Debt Ratio | 22.128 | 25.56795 | Verified | Included REO not being sold prior to closing |
| 304511042 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304511042 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304471403 | Subject Debt Service Coverage Ratio | 1.24 | 1.20 | Verified | Lender only used county tax to calculate DSCR. Tax cert reflects a monthly city tax of $xxxx that needs to be included in DSCR calculation. |
| 304471408 | Subject Debt Service Coverage Ratio | 1.34 | 1.38 | Verified | Discrepancy in insurance amount by lender |
| 304462254 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304462254 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304462254 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304462254 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304462254 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304462254 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304462254 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304510370 | Representative FICO | 800 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304476758 | Subject Debt Service Coverage Ratio | 1.49 | 1.48 | Verified | Lender used slightly lower tax. |
| 304473701 | Original Interest Rate | 7.999 | 8.125 | Verified | Field Value reflects the Note value |
| 304473701 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304492651 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304492651 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304405632 | Subject Debt Service Coverage Ratio | 1.02 | 1.10 | Verified | Qualifying Rent $xxxx/ P&I of xxxx, HOI $xxxx, Flood $xxxx and taxes of $xxxx |
| 304393224 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304365492 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304511742 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304511742 | Original Interest Rate | 8.25 | 7.875 | Verified | Field Value reflects the Note value |
| 304511742 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304492146 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304492146 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304492146 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304492146 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304495555 | Representative FICO | 789 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304495555 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304471077 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304471077 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304471077 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304471077 | Representative FICO | 698 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304471077 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304471077 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304471077 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304471077 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | Unable to verify due to missing information |
| 304437414 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304437414 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304437414 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304437414 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304437414 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304437414 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304437414 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 304486456 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486456 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486456 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304486456 | Representative FICO | 740 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304486456 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304486456 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304486456 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304486456 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 304487617 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304487617 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304487617 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304487617 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304487617 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304487617 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304487617 | Investor: Qualifying Total Debt Ratio | 0 |  | Verified | DSCR loan |
| 304477248 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304477243 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Security Instrument |
| 304631747 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304631747 | Original Interest Rate | 8.499 | 8.25 | Verified | Field Value reflects the Note value |
| 304631747 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304631747 | Representative FICO | 760 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304631747 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304631747 | Investor: Qualifying Total Debt Ratio | 40.613 | 36.98956 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304492148 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304492148 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304492148 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304492148 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492148 | Investor: Qualifying Total Debt Ratio | 46.584 | 38.70475 | Verified | Final 1008/Approval reflect 38.705% Total DTI. |
| 304636583 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304636583 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304636583 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Title |
| 304636583 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Title |
| 304492827 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492827 | Original CLTV | 89.99 | 87.15315 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304492827 | Original LTV | 89.99 | 87.15315 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304495620 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304495620 | Original CLTV | 82.08 | 85.28767 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304495620 | Original LTV | 82.08 | 85.28767 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304494298 | Original Interest Rate | 7.75 | 7.5 | Verified | Field Value reflects the Note value |
| 304494298 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304494298 | Representative FICO | 753 | 783 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304494298 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304494298 | Investor: Qualifying Total Debt Ratio | 25.39 | 31.61274 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304497774 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304497774 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304497774 | Representative FICO | 712 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304497774 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304497774 | Original CLTV | 80 | 89.99 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304497774 | Original LTV | 80 | 89.99 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304471484 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304471484 | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| 304471484 | Index Type |  | SOFR 30 Day Average | Verified | Field Value reflects 'Index Type' per the Note |
| 304471484 | Margin |  | 5 | Verified | Field Value reflects 'Margin' per the Note |
| 304471484 | First Interest Rate Change Date | xxxx | xxxx | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
| 304471484 | Interest Rate Change Frequency |  | 12 | Verified | Field Value reflects 'Interest Rate Change Frequency' per the Note |
| 304471484 | Interest Rate Life Cap |  | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| 304471484 | Interest Rate Periodic Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
| 304471484 | Interest Rate Initial Cap |  | 2 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
| 304471484 | Interest Rate Life Floor |  | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304471484 | Subject Debt Service Coverage Ratio | 0.92 | 1.02 | Verified | DSCR on worksheet and approval is 1.017. Field value matches |
| 304485241 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304485241 | Original Interest Rate | 8.375 | 7.875 | Verified | Field Value reflects the Note value |
| 304485241 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304485241 | Original CLTV | 89.31 | 87.68231 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304485241 | Original LTV | 89.31 | 87.68231 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304511644 | Representative FICO | 740 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304511644 | Investor: Qualifying Total Debt Ratio | 20.66 | 14.6343 | Verified | 1008 reflects 14.557% DTI. |
| 304510516 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304510516 | Investor: Qualifying Total Debt Ratio | 38.91 | 32.17242 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304637952 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304637952 | Investor: Qualifying Total Debt Ratio | 34.97 | 38.46841 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304632153 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304632153 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304632153 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304632153 | Original CLTV | 42 | 37.83784 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304632153 | Original LTV | 42 | 37.83784 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304632153 | Investor: Qualifying Total Debt Ratio | 25.542 | 13.77414 | Verified | Matches approval. |
| 304634528 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304634528 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304634528 | Representative FICO | 724 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304634528 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304494211 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304641638 | Investor: Qualifying Total Debt Ratio | 23.09 | 37.78732 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304663722 | Investor: Qualifying Total Debt Ratio | 43.1 | 46.97618 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304635850 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304635850 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304635850 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304495552 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304495552 | Original Interest Rate | 9.38 | 8.625 | Verified | Field Value reflects the Note value |
| 304495552 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304495552 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304495552 | Original CLTV | 80 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304495552 | Original LTV | 80 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304495552 | Investor: Qualifying Total Debt Ratio | 11.98 | 23.60518 | Verified | Matches approval. |
| 304613708 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304613708 | Investor: Qualifying Total Debt Ratio | 22.39 | 41.00319 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304640136 | Representative FICO | 780 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304640136 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304640136 | Investor: Qualifying Total Debt Ratio | 14.487 | 34.88558 | Verified | 1008 reflects 34.88% DTI. |
| 304643307 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304643307 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304641623 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304641623 | Original Interest Rate | 7.63 | 7.125 | Verified | Field Value reflects the Note value |
| 304641623 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304641623 | Occupancy | Investment | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304641623 | Investor: Qualifying Total Debt Ratio | 13.5 | 24.48741 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304637944 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304637944 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304637944 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304637944 | Original CLTV | 60.36 | 63.96396 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304637944 | Original LTV | 60.36 | 63.96396 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304483577 | Representative FICO | 797 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304483577 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304483577 | Investor: Qualifying Total Debt Ratio | 45.55 | 41.83763 | Verified | Approval reflects 41.83% DTI |
| 304634568 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304642495 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304642495 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510932 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510932 | Original Interest Rate | 8.13 | 7.875 | Verified | Field Value reflects the Note value |
| 304510932 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510932 | Representative FICO | 731 | 743 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510932 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510932 | Original CLTV | 85 | 82 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304510932 | Original LTV | 85 | 82 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304510932 | Investor: Qualifying Total Debt Ratio | 47.145 | 39.86296 | Verified | Review DTI in line with 1008 at 42.71% DTI |
| 304457968 | Representative FICO | 782 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304457968 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304457968 | Interest Rate Life Floor | 7.25 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304494267 | Interest Rate Life Floor | 6.875 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304494267 | Subject Debt Service Coverage Ratio | 1.03 | 1.02 | Verified | Less than 1% variance |
| 304635715 | Subject Debt Service Coverage Ratio | 1.89 | 1.88 | Verified | DSCR worksheet does not include flood. |
| 304666640 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666640 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304666628 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666628 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304666628 | Investor: Qualifying Total Debt Ratio | 42.462 | 39.02651 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304666646 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666646 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304666646 | Original CLTV | 30.667 | 25.55556 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304666646 | Original LTV | 30.667 | 25.55556 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304666654 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304666654 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304666654 | Original CLTV | 64 | 59.25926 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304666654 | Original LTV | 64 | 59.25926 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304666654 | Investor: Qualifying Total Debt Ratio | 33.985 | 38.23246 | Verified | 1008 reflect total DTI of 38.23% |
| 304666622 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666663 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666663 | Investor: Qualifying Total Debt Ratio | 28.805 | 31.54009 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304666634 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666634 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304666641 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304633022 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304633022 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304641639 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304641639 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304641639 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304641639 | Investor: Qualifying Total Debt Ratio | 47.74 | 35.05136 | Verified | 1008 states DTI is 35.373% |
| 304641271 | Original Interest Rate | 6.999 | 7.999 | Verified | Field Value reflects the Note value |
| 304641271 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304641271 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304641271 | Original CLTV | 84.99 | 89.6519 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304641271 | Original LTV | 84.99 | 89.6519 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304641271 | Investor: Qualifying Total Debt Ratio | 37.971 | 41.02764 | Verified | 1008 reflect total DTI of 41.02% |
| 304632037 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304642538 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304642538 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304642538 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304642538 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304642538 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304642538 | Investor: Qualifying Total Debt Ratio | 47.345 | 49.8992 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304495237 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304641640 | Investor: Qualifying Total Debt Ratio | 32.33 | 39.24961 | Verified | DTI on the Approval is 38.88 and which s 3% of the DTI |
| 304643980 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304643980 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304643980 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304643980 | Property Type | Condo | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304415760 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304415760 | Original CLTV | 78.5 | 74.31459 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304415760 | Original LTV | 78.5 | 74.31459 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304494065 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304494065 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304494065 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304494065 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304442363 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304467117 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304467117 | Subject Debt Service Coverage Ratio | 1.30 | 1.42 | Verified | Using the lessor of market rents or actual rents, $xxxx monthly income. PITIA = $xxxx. DSCR = 1.42. |
| 304635640 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304635640 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304635640 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304635640 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304492437 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304480863 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304480863 | Original CLTV | 40.22 | 41.37143 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304480863 | Original LTV | 40.22 | 41.37143 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304480863 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304638310 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638310 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638310 | Investor: Qualifying Total Debt Ratio | 28.93 | 37.59784 | Verified | Approval reflects 37.74% DTI |
| 304638315 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638315 | Investor: Qualifying Total Debt Ratio | 42.36 | 47.27483 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304640452 | Original Interest Rate | 8 | 8.499 | Verified | Field Value reflects the Note value |
| 304640452 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304640452 | Representative FICO | 704 | 725 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304636557 | Representative FICO | 732 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304636557 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638318 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304638318 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638318 | Investor: Qualifying Total Debt Ratio | 30.93 | 45.44276 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304643434 | Investor: Qualifying Total Debt Ratio | 27.2 | 19.86918 | Verified | 1008 has it at 19.869%. |
| 304637946 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304637946 | Investor: Qualifying Total Debt Ratio | 12.34 | 34.62377 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304511192 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304511192 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304511192 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304511192 | Original CLTV | 75 | 71.19626 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304511192 | Original LTV | 75 | 71.19626 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304665260 | Investor: Qualifying Total Debt Ratio | 10.17 | 14.70288 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304664574 | Investor: Qualifying Total Debt Ratio | 17.558 | 41.91323 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304642370 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304642370 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304642370 | Original CLTV | 89.88 | 88 | Verified | 1008 reflects 88% CLTV. |
| 304642370 | Original LTV | 89.88 | 88 | Verified | 1008 reflects 88% LTV. |
| 304642370 | Investor: Qualifying Total Debt Ratio | 47.533 | 43.30206 | Verified | 1008 reflects 43.302% DTI. |
| 304668964 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304641289 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304641289 | Investor: Qualifying Total Debt Ratio | 23.97 | 31.04855 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304667921 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304667921 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304665295 | Representative FICO | 705 | 662 | Verified | Original xx/xx/xxxx report used |
| 304666840 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304666840 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304666840 | Investor: Qualifying Total Debt Ratio | 35.14 | 31.83913 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304666712 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304671377 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304671377 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304671377 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304637961 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304637961 | Original Interest Rate | 8.25 | 7.99 | Verified | Field Value reflects the Note value |
| 304637961 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304637961 | Representative FICO | 688 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304637961 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304471249 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304671550 | Representative FICO | 743 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304666702 | Investor: Qualifying Total Debt Ratio | 41.04 | 35.47263 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304639790 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304674611 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304674611 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304663304 | Investor: Qualifying Total Debt Ratio | 44.67 | 40.74263 | Verified | Matches approval. |
| 304635851 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304678196 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304677285 | Investor: Qualifying Total Debt Ratio | 13.813 | 39.6036 | Verified | Matching with approval document. |
| 304638667 | Investor: Qualifying Total Debt Ratio | 39 | 49.14206 | Verified | DTI on the 1008 is 49.14% |
| 304676831 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304641278 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304643298 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304635802 | Subject Debt Service Coverage Ratio | 1.08 | 0.84 | Verified | 2 appraisals in file. Lender used the higher market rent and not the lower from the other appraisal. |
| 304679646 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304679646 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304679646 | Investor: Qualifying Total Debt Ratio | 43.872 | 38.02171 | Verified | 1008 reflect total DTI of 38.02% |
| 304680596 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304677376 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304677376 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304670838 | Representative FICO | 761 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304676852 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304677706 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304680561 | Investor: Qualifying Total Debt Ratio | 6.76 | 10.82511 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304681728 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304681728 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304681728 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304678854 | Original CLTV | 70.63 | 71.77143 | Verified | CLTV matches with 1008 |
| 304678854 | Original LTV | 70.63 | 71.77143 | Verified | LTV matches with 1008 |
| 304643183 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304679248 | Investor: Qualifying Total Debt Ratio | 14.6 | 18.30707 | Verified | Match 1008 with 18.30% DTI, rounded up on the approval. |
| 304678350 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304667856 | Investor: Qualifying Total Debt Ratio | 14.75 | 18.29809 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304673655 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304679644 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304679644 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304677292 | Investor: Qualifying Total Debt Ratio | 42.479 | 35.99982 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304677881 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304682103 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304493909 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304643529 | Subject Debt Service Coverage Ratio | 1.46 | 1.92 | Verified | DSCR is different due to higher rents, taxes and insurance compared to credit application. |
| 304636438 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304687286 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304687286 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304682016 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304681724 | Coborrower First Name | xxxx | xxxx | Verified | Co-borrower not in loan |
| 304681724 | Coborrower Last Name | xxxx | xxxx | Verified | Co-borrower not in loan |
| 304632761 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304632761 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304632761 | Investor: Qualifying Total Debt Ratio | 31.4951 | 39.964 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304632761 | Decision System |  |  | Verified | Field value reflects source document |
| 304638990 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304638990 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304638990 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304638990 | Investor: Qualifying Total Debt Ratio | 18.4656 | 25.2798 | Verified | Field Value DTI matches 1008 DTI. |
| 304638990 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304483044 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304483044 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304483044 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304483044 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304483044 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304483044 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304483044 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304471922 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304471922 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304471922 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304471922 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304471922 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304494384 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304494384 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304494384 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304494384 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304494384 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304494384 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304494384 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304485270 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304485270 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304485270 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304485270 | Representative FICO | 740 | 695 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304485270 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304642798 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304642798 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304642798 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304642798 | Representative FICO | 796 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304642798 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304643496 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304638988 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304638988 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304638988 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304638988 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638988 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304684583 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304684583 | Investor: Qualifying Total Debt Ratio | 39 | 29.07292 | Verified | Approval reflects 30.00% DTI |
| 304679637 | Investor: Qualifying Total Debt Ratio | 32.435 | 17.61297 | Verified | DTI is matching with 1008 |
| 304678790 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304678790 | Original Interest Rate | 8.5 | 8.25 | Verified | Field Value reflects the Note value |
| 304678790 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304683334 | Property Type | Condo | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304681376 | Investor: Qualifying Total Debt Ratio | 12.412 | 15.72783 | Verified | Matches approval. |
| 304682088 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304678293 | Investor: Qualifying Total Debt Ratio | 28.564 | 15.24765 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304681768 | Investor: Qualifying Total Debt Ratio | 25.24 | 46.39966 | Verified | Matches approval. |
| 304671329 | Representative FICO | 774 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304671329 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304483545 | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Approval/AUS |
| 304483545 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304681125 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304678943 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304665289 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304665289 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304674454 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304471461 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304471461 | Subject Debt Service Coverage Ratio | 1.57 | 1.60 | Verified | Lender used $xxxx qualifying rent instead of $xxxx |
| 304481206 | Subject Debt Service Coverage Ratio | 1.30 | 1.28 | Verified | Lender used lower tax. |
| 304632313 | Subject Debt Service Coverage Ratio | 2.06 | 1.85 | Verified | Lender used 100% of appraisal market rent ($xxxx). Subject is vacant and 90% is used ($xxxx). |
| 304677045 | Subject Debt Service Coverage Ratio | 1.40 | 1.42 | Verified | Lender used qualifying rent of $xxxx instead of $xxxx(lower of lease rent or 110% of market rent for each unit). |
| 304682671 | Subject Debt Service Coverage Ratio | 1.14 | 1.18 | Verified | Lender used 100% market rent instead of lease rent $xxxx which is less than 110% of the market rent. |
| 304481191 | Subject Debt Service Coverage Ratio | 2.60 | 2.43 | Verified | DSCR differs due to tax amount considered for year xxxx of $xxxx annually as used by lender instead of recent year xxxx $xxxx per month, or $xxxx annually. |
| 304682611 | Subject Debt Service Coverage Ratio | 1.05 | 1.24 | Verified | Lender used $xxxx qualifying rent instead of lease rent $xxxx which is less than the market rent $xxxx. |
| 304677016 | Subject Debt Service Coverage Ratio | 1.57 | 1.60 | Verified | Lender used 100% market rent $xxxx instead of lease rent $xxxx which is less than 110% of the market rent. |
| 304676991 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304682595 | Subject Debt Service Coverage Ratio | 1.22 | 1.18 | Verified | Lender used 100% of market rent $xxxx instead of lease rent $xxxx which is less than 110% of the market rent. |
| 304676999 | Subject Debt Service Coverage Ratio | 1.37 | 1.52 | Verified | Lender used $xxxx qualifying rent(90% of market rent) instead of $xxxx(total of lessor of lease rent or 110% of market rent for each unit). |
| 304682701 | Subject Debt Service Coverage Ratio | 1.39 | 1.44 | Verified | Lender used $xxxx qualifying rent instead of $xxxx market rent from the appraisal. |
| 304682664 | Representative FICO | 778 | 770 | Verified | Highest score vs middle score. |
| 304671697 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304671697 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304680932 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304685319 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304681143 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304684697 | Representative FICO | 750 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439921 | Subject Debt Service Coverage Ratio | 1.25 | 1.49 | Verified | Lender used 90% of market rent instead of 110% of market rent which is less than lease rent. Lender also used lower tax which does not include storm water tax. |
| 304439866 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304439866 | Subject Debt Service Coverage Ratio | 1.57 | 1.66 | Verified | Lender used market rent $xxxx as qualifying rent instead of lease rent $xxxx which is lower than 110% of the market rent. |
| 304476937 | Subject Debt Service Coverage Ratio | 1.27 | 1.33 | Verified | DSCR discrepancy due to lease rent is mismatching. Market rent $xxxx used to calculate DSCR. xxxx uses current rent $xxxx. Purchase transaction and current lease not provided. |
| 304471334 | Subject Debt Service Coverage Ratio | 1.23 | 1.21 | Verified | Field value matches DSCR worksheet @1.21 |
| 304481064 | Subject Debt Service Coverage Ratio | 2.41 | 2.44 | Verified | Lender used a lower rent amount of $xxxx. Actual rent is xxxx |
| 304635809 | Subject Debt Service Coverage Ratio | 1.65 | 2.46 | Verified | Lender used rent $xxxx instead of lease rent $xxx which is less than 110% of the market rent of $xxxx. |
| 304632343 | Subject Debt Service Coverage Ratio | 1.42 | 1.38 | Verified | Lender used lower tax value than tax certificate which is a total of $xxxx. |
| 304635702 | Subject Debt Service Coverage Ratio | 1.40 | 1.53 | Verified | Lender used 100% of appraisal market rent ($xxxx) and not 110% ($xxxx) |
| 304684611 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304683344 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304683344 | Coborrower First Name | xxxx | xxxx | Verified | Co-borrower name not in file |
| 304683344 | Coborrower Last Name | xxxx | xxxx | Verified | Co-borrower name not in file |
| 304676930 | Original Interest Rate | 7 | 7.5 | Verified | Field Value reflects the Note value |
| 304676930 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304676835 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304685308 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304685308 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304685234 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304467128 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304467120 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304490514 | Subject Debt Service Coverage Ratio | 1.13 | 1.15 | Verified | DSCR is slightly off due to appraisal not confirming the property is a PUD with monthly HOA dues of $xxxx. Rent xxxx/ Tax xxxx + HOI xxxx + PI xxxx |
| 304686690 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304687180 | Investor: Qualifying Total Debt Ratio | 16.85 | 31.25079 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304498347 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304678743 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304678743 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304678743 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304677130 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304677130 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304677130 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304677130 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304685684 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304691216 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693639 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304677840 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304677840 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304678851 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304678851 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304678851 | Original CLTV | 69.48 | 71.42857 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304678851 | Original LTV | 69.48 | 71.42857 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304682193 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304682193 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304682193 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304682193 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304682193 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304685227 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304671261 | Subject Debt Service Coverage Ratio | 1.43 | 1.49 | Verified | Lender used lower tax that did not include special assessment. |
| 304682497 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304681443 | Subject Debt Service Coverage Ratio | 1.26 | 1.40 | Verified | Lender used 90% of market rent instead of 100% of market rent for the vacant property with seasoning less than 6 months. |
| 304681659 | Interest Rate Life Floor | 8 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304682737 | Interest Rate Life Floor | 8.375 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304677109 | Interest Rate Life Floor | 7.593 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304682727 | Interest Rate Life Floor | 6.625 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304682726 | Interest Rate Life Floor | 6.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304682725 | Interest Rate Life Floor | 8 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304681478 | Subject Debt Service Coverage Ratio | 1.90 | 1.52 | Verified | Lender is using $xxxx qualifying rent instead of $xxxx which is total of lessor of lease rent or market rent for each unit. Lender also did not include city tax in PITIA. |
| 304682562 | Subject Debt Service Coverage Ratio | 1.17 | 1.08 | Verified | Lender did not include city tax in PITIA for DSCR calculation. |
| 304682728 | Interest Rate Life Floor | 6.792 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304693734 | Representative FICO | 760 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304693734 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304694861 | Coborrower First Name | xxxx | xxxx | Verified | Co-borrower not in loan |
| 304694861 | Coborrower Last Name | xxxx | xxxx | Verified | Co-borrower not in loan |
| 304694861 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304691223 | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304694182 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304694182 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304685224 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304613722 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304613722 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304613722 | Investor: Qualifying Total Debt Ratio | 38 | 21.13835 | Verified | Field value is lower |
| 304613722 | Decision System |  |  | Verified | Field value reflects source document |
| 304637872 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304637872 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304637872 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304637872 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304637872 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304637872 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304642814 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304642814 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304642814 | Investor: Qualifying Total Debt Ratio | 23.02 | 46.35921 | Verified | Per AUS DTI is 46.36% and calculated DTI is 46.36% |
| 304642814 | Decision System |  |  | Verified | Field value reflects source document |
| 304671335 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304671335 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304677164 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304677164 | Decision System |  |  | Verified | Field value reflects source document |
| 304665150 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304665150 | Investor: Qualifying Total Debt Ratio | 39.2 | 33.6251 | Verified | Field Value DTI matches 1008 DTI. |
| 304665150 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304663283 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided |
| 304663283 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided |
| 304663283 | Investor: Qualifying Total Debt Ratio | 28.5694 | 39.5758 | Verified | Field Value DTI matches 1008 DTI. |
| 304663283 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided |
| 304643273 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304643273 | Decision System |  |  | Verified | Field value reflects source document |
| 304667833 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304667833 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304654693 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304654693 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304654693 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304654693 | Investor: Qualifying Total Debt Ratio | 42.938 | 46.56807 | Verified | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |
| 304654693 | Decision System | DU |  | Verified | Field value reflects source document |
| 304665149 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304665149 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304665149 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304665243 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304665243 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304665243 | Decision System | DU |  | Verified | Field value reflects source document |
| 304674475 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304674475 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304674475 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304674475 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304674475 | Decision System |  |  | Verified | Field value reflects source document |
| 304663377 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304663377 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304663377 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304663377 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304643235 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304643235 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304643235 | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304643235 | Original CLTV | 37.14 | 50 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304643235 | Original LTV | 37.14 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304643235 | Investor: Qualifying Total Debt Ratio | 7.4177 | 22.32409 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304643235 | Decision System | DU |  | Verified | Field value reflects source document |
| 304671623 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304671623 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304671623 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304671623 | Original Interest Rate | 7.625 | 7.624 | Verified | Field Value reflects the Note value |
| 304671623 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304671623 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304671623 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304654855 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304654855 | Investor: Qualifying Total Debt Ratio | 28.8372 | 23.76848 | Verified | Field value is lower |
| 304654855 | Decision System |  |  | Verified | Field value reflects source document |
| 304685275 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304685275 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304686287 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304686287 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304686287 | Investor: Qualifying Total Debt Ratio | 29.4182 | 21.85604 | Verified | Field value is lower |
| 304686287 | Decision System |  |  | Verified | Field value reflects source document |
| 304640513 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304640513 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304640513 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304640513 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304640513 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304640513 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304640513 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304642566 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304642566 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304642566 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304642566 | Representative FICO | 774 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304642566 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304643533 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304643533 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304643533 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304643533 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304643516 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304643516 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304643516 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304643516 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304666608 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304666608 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666608 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304666608 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304666608 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304666608 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304666608 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304674641 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304674641 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304674641 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304674641 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304674641 | # of Units | 4 | 9 | Verified | Field value reflects source document |
| 304674641 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304674641 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304654709 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304654702 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304654702 | Representative FICO | 801 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304654702 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510285 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304510285 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304510285 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304510285 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304510285 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510285 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304510285 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304510285 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304661424 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304661424 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304661424 | Original CLTV | 75 | 71.42857 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304661424 | Original LTV | 75 | 71.42857 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304393227 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304393227 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304665245 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304665245 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304665245 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304665245 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304665245 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304665245 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304684408 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304684408 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304688474 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304688474 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304688474 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304688474 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304688474 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304688474 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304457454 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304457454 | First Payment Date | xxxx | xxxx | Verified | Field Value reflects First Payment Date per the Note |
| 304457454 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304636439 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304636439 | # of Units | 3 | 2 | Verified | Field value reflects source document |
| 304699518 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304699518 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304683309 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304684691 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Security Instrument |
| 304695810 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304702048 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304702048 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304702048 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304682014 | Representative FICO | 780 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304699525 | Investor: Qualifying Total Debt Ratio | 38 | 32.71116 | Verified | Lender used a higher P&I for REO property. Review used the mortgage statement. |
| 304667859 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304667859 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304694965 | Coborrower First Name | xxxx | xxxx | Verified | No Co-Borrower In File |
| 304694965 | Coborrower Last Name | xxxx | xxxx | Verified | No Co-Borrower In File |
| 304694965 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304694973 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304694973 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304691544 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304694953 | Coborrower First Name | xxxx | xxxx | Verified | Co-borrower not in file |
| 304694953 | Coborrower Last Name | xxxx | xxxx | Verified | Co-borrower not in file |
| 304694953 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304685825 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304685825 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304685825 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304685825 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304685825 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304702437 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 304700937 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304693402 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304696899 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304695109 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304705173 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304705173 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304705173 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304687115 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304694164 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304707166 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304707166 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304682492 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693368 | Interest Rate Life Floor | 8.375 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304695691 | Subject Debt Service Coverage Ratio | 1.22 | 1.09 | Verified | Bid tape value is based on market rent of $xxxx. Field value is based on $xxxx. $xxxx / $xxxx = 1.09%. |
| 304693363 | Interest Rate Life Floor | 6.875 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304693332 | Subject Debt Service Coverage Ratio | 1.44 | 1.46 | Verified | Lender used monthly rent of $xxxx. Actual monthly rent is $xxxx (lower amount from leases) |
| 304682446 | Subject Debt Service Coverage Ratio | 1.87 | 1.83 | Verified | Worksheet matches field value at 1.83 |
| 304693365 | Interest Rate Life Floor | 8.375 | 0 | Verified | Unable to verify due to missing information |
| 304693354 | Subject Debt Service Coverage Ratio | 1.12 | 1.02 | Verified | Lender is using monthly rent of $xxxx. Actual monthly rent is xxxx |
| 304635813 | Subject Debt Service Coverage Ratio | 1.37 | 1.74 | Verified | Lender used $xxxx qualifying rent instead of $xxxx which is the total of lease rents of 7 occupied units and 90% of market rent of the one vacant unit. |
| 304693261 | Subject Debt Service Coverage Ratio | 3.41 | 3.33 | Verified | Tape used $xxxx taxes and field value is xxxx mo. |
| 304707076 | Subject Debt Service Coverage Ratio | 1.54 | 1.35 | Verified | Lender used 100% of market rent $xxxx instead of lessor of lease rent or 110% of the market rent which lower was lease rent at $xxxx. |
| 304706982 | Subject Debt Service Coverage Ratio | 1.49 | 1.48 | Verified | Due to rounding. |
| 304692097 | Subject Debt Service Coverage Ratio | 1.35 | 1.21 | Verified | Lender used 100% of appraisal market rent and not 90% as subject is vacant |
| 304708959 | Subject Debt Service Coverage Ratio | 1.30 | 1.45 | Verified | Lender used 90% of appraisal market rent as subject is vacant |
| 304706977 | Subject Debt Service Coverage Ratio | 1.17 | 1.16 | Verified | Due to rounding. Calculated DSCR 1.1649 |
| 304674652 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304674652 | Original Interest Rate | 7 | 6.875 | Verified | Field Value reflects the Note value |
| 304674652 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304674652 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304674652 | Decision System |  |  | Verified | Field value reflects source document |
| 304665241 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304665241 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304665241 | Decision System |  |  | Verified | Field value reflects source document |
| 304688445 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304688445 | Investor: Qualifying Total Debt Ratio | 28 | 14.64062 | Verified | Field Value DTI matches 1008 DTI of 14.65%. |
| 304688445 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided. |
| 304676098 | Note Date | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304676098 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304676098 | Representative FICO | 752 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304676098 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304676098 | Original CLTV | 30.69 | 44.55446 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304676098 | Original LTV | 30.69 | 44.55446 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304676098 | Investor: Qualifying Total Debt Ratio | 23.2071 | 36.89288 | Verified | Field Value DTI matches 1008 DTI of 36.90%. |
| 304676098 | Decision System |  |  | Verified | Field value reflects source document |
| 304692504 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692504 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304692504 | Decision System |  |  | Verified | Field value reflects source document |
| 304683275 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304683275 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304683275 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304683275 | Original Interest Rate | 7.375 | 7.124 | Verified | Field Value reflects the Note value |
| 304683275 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304683275 | Original CLTV | 80 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304683275 | Original LTV | 80 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304683275 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304683275 | Decision System |  |  | Verified | Field value reflects source document |
| 304692552 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692552 | Investor: Qualifying Total Debt Ratio | 32.7163 | 3.1776 | Verified | Field value is lower |
| 304692552 | Decision System |  |  | Verified | Field value reflects source document |
| 304678346 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304678346 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304678346 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304678346 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304678346 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304678346 | Decision System |  |  | Verified | Field value reflects source document |
| 304693376 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304693376 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304693376 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 304687341 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304687341 | Representative FICO | 774 | 770 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304687341 | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 304687341 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 304687341 | Lender | xxxx | xxxx | Verified | Field Value reflects Lender name per the Note |
| 304687341 | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 304687341 | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| 304687341 | PITIA Reserves Months | 12.00 | 23.81 | Verified | Field value reflects source document |
| 304686286 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304686286 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304686286 | Decision System | DU |  | Verified | Field value reflects source document |
| 304694014 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided |
| 304694014 | Representative FICO | 733 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304694014 | Investor: Qualifying Total Debt Ratio | 24.7157 | 29.28485 | Verified | Field Value DTI is within tolerance of 1008 DTI of 29.300%. |
| 304694014 | Decision System |  |  | Verified | The Bid Tape Field Value was not provided |
| 304702955 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304702955 | Decision System |  |  | Verified | Field value reflects source document |
| 304686439 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304686439 | Investor: Qualifying Total Debt Ratio | 33.0132 | 29.8165 | Verified | Per 1008 DTI is 33.263% and calculated DTI is 29.816% due to xxxx second lien per mortgage statement is $xxxx and 1008 states $xxxx. Also 1008 states subject property PITIA $xxxx and actual is $xxxx. |
| 304686439 | Decision System |  |  | Verified | Field value reflects source document |
| 304705510 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304705510 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304705510 | Decision System |  |  | Verified | Field value reflects source document |
| 304692621 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692621 | Investor: Qualifying Total Debt Ratio | 15.0596 | 18.14758 | Verified | Per 1008 DTI is 18.10% and calculated DTI is 18.14% as base income rounded |
| 304692621 | Decision System |  |  | Verified | Field value reflects source document |
| 304642978 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304642978 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304642978 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304642978 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304642978 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304642978 | # of Units | 4 | 6 | Verified | Field value reflects source document |
| 304642978 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304663386 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304663386 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304663386 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304663386 | Amortization Type |  | Fixed | Verified | The Bid Tape Field Value was not provided. |
| 304663386 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304663386 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304663386 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304640313 | Subject Debt Service Coverage Ratio | 1.34 | 1.74 | Verified | Rent xxxx/ HOI xxxx + Tax xxxx + PI xxxx |
| 304684413 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304684413 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304684413 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304684413 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304664643 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304693561 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693561 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693561 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304693561 | Original Interest Rate | 6.75 | 6.625 | Verified | Field Value reflects the Note value |
| 304693561 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304693562 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304693562 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304693562 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304693562 | Original Interest Rate | 6.75 | 6.625 | Verified | Field Value reflects the Note value |
| 304693562 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304638621 | Representative FICO | 784 | 804 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638621 | Prepayment Penalty | 1 | 0 | Verified | Field Value reflects 'PrePayment Penalty' per the Note |
| 304639749 | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304691378 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304691378 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304691378 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304691378 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304678071 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304678071 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304678071 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304678071 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304639129 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304639129 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304639129 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304639129 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304639129 | # of Units | 4 | 5 | Verified | Field value reflects source document |
| 304639129 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304691430 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304691430 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304691430 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304691430 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304682167 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304682167 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304682167 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304682167 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304682167 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304688465 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided |
| 304688465 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided |
| 304685721 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304685721 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304685721 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304685721 | Representative FICO | 775 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304685721 | Original CLTV | 74.98 | 72.23333 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304685721 | Original LTV | 74.98 | 72.23333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304685721 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304698199 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304698199 | Original CLTV | 66.67 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304698199 | Original LTV | 66.67 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304707879 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304707879 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304707879 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304707879 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304707879 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304707878 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304707878 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304707878 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304707878 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304707878 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304707878 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304692554 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692554 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304692556 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692556 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304702082 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304702082 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304702082 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304702082 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304702082 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304702082 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304692555 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692555 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304692557 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692557 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304684742 | Original Interest Rate | 0.07375 | 7.375 | Verified | Tape Value reflects decimal point in incorrect position |
| 304684742 | Original CLTV | 0.8 | 80 | Verified | Tape Value reflects decimal point in incorrect position |
| 304684742 | Original LTV | 0.8 | 80 | Verified | Tape Value reflects decimal point in incorrect position |
| 304684739 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304684739 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304692162 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304494200 | Subject Debt Service Coverage Ratio | 1.13 | 1.06 | Verified | Lender used the tax amount xxxx instead of recent due tax amount xxxx per month. |
| 304682527 | Subject Debt Service Coverage Ratio | 1.20 | 1.26 | Verified | Lender used $xxxx qualifying rent instead of $xxxx which is total of lessor lease rent and 110% of market rent for each unit. |
| 304682546 | Subject Debt Service Coverage Ratio | 1.65 | 1.48 | Verified | Lender used $xxxx qualifying rent which is 100% of the market rent, instead of $xxxx which is the lesser of lease amount and market rent. |
| 304682486 | Subject Debt Service Coverage Ratio | 2.02 | 1.99 | Verified | Lender used qualifying rent $xxxx instead of $xxxx which is total of lessor of market rent or lease rent for each unit. |
| 304681657 | Interest Rate Life Floor | 7.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304693358 | Subject Debt Service Coverage Ratio | 1.60 | 1.69 | Verified | Lender used a qualifying rent of $xxxx which is 100% of the market rent instead of $xxxx which is the addition of the lesser of the lease amounts an 110% of the market rents. |
| 304699192 | Subject Debt Service Coverage Ratio | 1.14 | 1.26 | Verified | Lender used 100% of market rent $xxxx instead of 110% of the market re which is less than lease rent $xxxx. |
| 304693352 | Subject Debt Service Coverage Ratio | 1.33 | 1.38 | Verified | Lender used 100% of market rent $xxxx instead of lease rent $xxxx which is less than 110% of the market rent. |

---

## Exhibit 99.3

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 301486650 | 15707778 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/08/2020 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A B | N/A | N/A | No |
| 301486650 | 15709415 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/05/2020 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A B | N/A | N/A | No |
| 301486650 | 15709437 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 01/10/2020 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C A B | N/A | N/A | No |
| 301523096 | 16029597 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 02/09/2020 |  |  | 1 C A |  | MN | Investment | Refinance - Cash-out - Other | C A | N/A | Temporary SHQM (GSE/Agency Eligible) | No |
| 301523096 | 16030813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $940.76 exceeds tolerance of $874.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  |  |  | 01/24/2020 |  | 1 A |  | MN | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | N/A | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 303760125 | 28894589 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | xxxx |  |  |  | xxxx | 05/23/2023 |  |  | 1 D A |  | PA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 303760125 | 28894591 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower has owned the subject property for at least xxxx. | The DSCR of 1.49 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator Pre-Close,Originator,Aggregator<br>SitusAMC | xxxx |  |  | 05/25/2023 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 303760125 | 28894593 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.49 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator Pre-Close,Originator,Aggregator | xxxx |  |  | 05/16/2023 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | D B C A |  | N/A | No |
| 304067094 | 29439360 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $125.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/15/2023 |  | 1 A |  | NH | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304067089 | 29453357 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 08/01/2024 | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304067089 | 29453359 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-30.10 is less than amount of binding Lender Credit previously disclosed in the amount of $-33.00. | xxxx |  |  |  | xxxx | 11/30/2023 |  |  | 1 C A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304067089 | 29453363 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 208 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/13/2023 | 2 C B |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304067089 | 29491615 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 12/07/2023 |  |  | 1 C A |  | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304029153 | 30182123 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 03/20/2024 |  |  | 1 A |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304029153 | 30182124 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 03/20/2024 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304319976 | 30545408 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304319976 | 30545409 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $246.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304319976 | 30560240 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/20/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304319976 | 30560913 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 05/20/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304319976 | 30560915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 05/20/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304322508 | 30768691 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 06/25/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| 304366430 | 31423139 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 07/29/2024 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304366430 | 31423141 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 07/31/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304366430 | 31423142 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 07/31/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304366430 | 31423146 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 07/31/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304366430 | 31423147 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 07/29/2024 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304366430 | 31423148 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 07/29/2024 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304379639 | 31464329 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (xxxx). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MO | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304376179 | 31498725 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 09/05/2024 |  |  | 1 C A |  | AL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304376179 | 31498731 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: xxxx / xxxx not provided |  | xxxx |  |  |  | xxxx | 09/06/2024 |  |  | 1 C A |  | AL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304376179 | 31498753 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 09/05/2024 |  |  | 1 C A |  | AL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304382820 | 31556371 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304380661 | 31556454 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/09/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 304380661 | 31556460 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 09/11/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 304380661 | 31556462 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 09/11/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C A | N/A | N/A | No |
| 304383060 | 31721991 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,299.90 exceeds tolerance of $3,200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/24/2024 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304392264 | 31720111 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304392264 | 31720145 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $300.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/24/2024 |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304397898 | 31736465 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 10/23/2024 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304365487 | 31764826 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | xxxx | 07/22/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304365487 | 31764827 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 07/22/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304388117 | 31801068 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/29/2024 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304397936 | 31875693 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $102.86 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/10/2024 |  | 1 A |  | NH | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304388465 | 31887111 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/11/2024 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304388465 | 31887123 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304405613 | 31926017 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304405613 | 31926020 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $540.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/17/2024 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304401911 | 31949170 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $30.00 plus 10% or $33.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/22/2024 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304401911 | 31949171 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $618.60 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/22/2024 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304418774 | 31954595 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/22/2024 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304397975 | 32070843 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304426328 | 32084709 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304426328 | 32084844 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304426328 | 32084845 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304426328 | 32084848 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | OH | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304426328 | 32094365 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | OH | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304420474 | 32084805 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304420474 | 32084808 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,137.77 exceeds tolerance of $2,325.47. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304397858 | 32091333 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 10/04/2024 | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304397858 | 32091334 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business narrative did not reflect an expense factor. The minimum expense factor allowed is 10% and should be reasonable for the 1099<br> employment. Income subject to additional review. |  |  |  | xxxx | 10/09/2024 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304397858 | 32091335 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 10/09/2024 |  |  | 1 C A |  | PA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304416312 | 32124873 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 11/22/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304416312 | 32124874 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | xxxx |  |  |  | xxxx | 11/22/2024 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304416312 | 32127782 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Good credit, over 11 months reserves, low ratios | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/13/2024 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304427799 | 32124530 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 304432252 | 32168185 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432252 | 32168186 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432252 | 32168187 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304432252 | 32168190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 B A C |  | LA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304432252 | 32168191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432252 | 32168196 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432252 | 32168197 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432252 | 32168217 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432252 | 32276127 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304432252 | 32276128 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | LA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304427500 | 32196428 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,010.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304427500 | 32196429 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $528.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304427500 | 32269602 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,010.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/27/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304429713 | 32235492 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304429713 | 32235714 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304429713 | 32235715 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304429713 | 32276121 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304429713 | 32276122 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304428268 | 32254073 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/01/2024 |  |  | 1 C A |  | AR | Investment | Purchase | C A |  | N/A | No |
| 304439279 | 32503273 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | UT | Primary | Refinance - Cash-out - Other | A B | Safe Harbor QM (APOR) | Non QM | No |
| 304432200 | 32287162 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304427435 | 32287506 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304427435 | 32287507 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304427435 | 32287508 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304427435 | 32287509 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304427435 | 32287510 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304427435 | 32287512 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/08/2024 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304427435 | 32287514 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 12/08/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304427435 | 32287515 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,347.43 exceeds tolerance of $1,243.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/02/2024 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304427435 | 32329696 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304427435 | 32329697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441463 | 32298704 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $103.50 exceeds tolerance of $88.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/04/2024 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304443456 | 32351820 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304443456 | 32351968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 B A C |  | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304443456 | 32351969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304443456 | 32434670 |  | Credit | Missing Document | General | Missing Document | Missing Document: UCC Financing Statement/Certificate of Title not provided |  | xxxx | Borrower has worked in the same position for more than xxxx.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score is above 680. | Borrower has been with current employer for xxxx years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/07/2025 | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304443456 | 32448798 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304443456 | 32448799 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432251 | 32352093 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304432251 | 32352094 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432251 | 32434848 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The appraisal indicates there are leased xxxx. No documentation, including a potential payment, was provided. |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304432251 | 32448788 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304432251 | 32448789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304457458 | 32352258 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32352259 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32352260 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32352261 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32352262 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32352263 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AL | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304457458 | 32352264 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32352265 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | AL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304457458 | 32358010 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32358034 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304457458 | 32358035 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32358036 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 59.61735% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457458 | 32451072 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304423426 | 32337555 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 304423426 | 32337556 |  | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Valuation Error: Legal description on valuation does not match deed transferring title. |  | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 304423426 | 32337557 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 B A |  | IN | Investment | Purchase | C A |  | N/A | No |
| 304428309 | 32337574 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304428309 | 32337575 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. |  |  |  | xxxx | 10/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304428309 | 32337576 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 93.03<br> Guideline Requirement: 8.66<br>Guidelines Representative FICO: 680<br> Representative FICO: 777 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/22/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304428309 | 32337577 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx. | SitusAMC,Originator | xxxx |  |  | 11/14/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304458777 | 32366109 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304458777 | 32366110 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304458777 | 32461222 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304458777 | 32461223 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304439275 | 32417311 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304439275 | 32417411 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304439275 | 32417412 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $617.70 exceeds tolerance of $605.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/16/2024 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304439275 | 32461518 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304458273 | 32417330 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304443295 | 32426063 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304443295 | 32426068 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/17/2024 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304438694 | 32422999 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  | 11/14/2024 | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304438707 | 32423004 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | xxxx |  |  |  | xxxx | 11/21/2024 |  |  | 1 B A |  | UT | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304438707 | 32423007 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/21/2024 |  |  | 1 C A |  | UT | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304438707 | 32423009 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Updated 1003 require with correct income amount as per 1008. |  |  |  | xxxx | 11/21/2024 |  |  | 1 C A |  | UT | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304438707 | 32423010 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rural Neighborhood and Agriculture Zone properties only allows Case by Cases basis. Subject is best use for residential and larger Adjustments for the site Sizes, Subject still under 10 acres. Comps with Similar Acreage used. AS per Online Zoning report Screenshot (Doc ID D0256), the Current used of the Single Family allowed in the RA-5 Zone. Lender to confirm Acceptability. |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | UT | Primary | Purchase | C A B | Non QM | Non QM | No |
| 304398000 | 32423384 |  | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%. | xxxx |  |  |  | xxxx |  |  | 10/25/2024 | 2 B |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423385 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 10/29/2024 | 2 B |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423386 |  | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Grace Period Testing | North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. | xxxx |  |  |  | xxxx |  |  | 10/25/2024 | 2 B |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423387 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423389 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx. | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/30/2024 | 2 C B |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423390 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 D A |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423391 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit Application is missing for the guarantor "xxxx" |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423392 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Fraud Report is missing for the guarantor "xxxx" |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304398000 | 32423393 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| 304426502 | 32423452 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx |  |  | 11/06/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304426502 | 32423453 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx. | SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/07/2024 | 2 C B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304426502 | 32423455 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx |  |  | 11/06/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304426502 | 32423458 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an updated HUD with the correct HOI and tax amount that matches the first payment letter. |  |  |  | xxxx | 11/20/2024 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304459185 | 32435617 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304459185 | 32435618 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304459185 | 32585727 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304459185 | 32585728 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304459182 | 32442901 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304441980 | 32437591 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32437622 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than xxxx.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has owned the subject property for at least xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score is above 680. | xxxx years with current employer. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/24/2024 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32437636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441980 | 32437637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32585796 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441980 | 32585797 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304439278 | 32483525 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304459443 | 32446279 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/19/2024 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304459443 | 32462771 |  | Credit | Guideline | Guideline Issue | Guideline | Guideline Issue: non-occupant co-borrower. | - (Require user to enter explanation) | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304459443 | 32495183 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 742 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/24/2025 | 2 C B |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304459443 | 32495203 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit xxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304459248 | 32446509 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304459248 | 32446593 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304459248 | 32446595 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,905.20 exceeds tolerance of $1,826.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/19/2024 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304442647 | 32456541 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304442647 | 32493925 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304442647 | 32493926 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 01/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304442647 | 32705187 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304442647 | 32705188 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304440033 | 32479412 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Investment | Refinance - Rate/Term | B A | N/A | N/A | No |
| 304457883 | 32479458 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304457883 | 32494540 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
| 304423525 | 32478012 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.71<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 725 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 12/11/2024 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304423489 | 32478019 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property appraised value of $xxxx is below minimum guideline requirement of $75,000. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.96<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 728 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 10/17/2024 | 2 C B |  | MI | Investment | Purchase | C B A |  | N/A | No |
| 304423489 | 32478020 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | MI | Investment | Purchase | C B A |  | N/A | No |
| 304439733 | 32478078 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439733 | 32478079 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 660<br> Representative FICO: 724<br>Reserves: 60.70<br> Guideline Requirement: 7.53 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 12/06/2024 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439814 | 32478081 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx. | SitusAMC,Originator | xxxx |  |  | 11/27/2024 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439814 | 32478082 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Subject's GLA 683 sqft is less than 700 sqft minimum required. Exception is approved for the GLA with 801 FICO. FICO requirement is met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 130.27<br> Guideline Requirement: 12.84<br>Guidelines Representative FICO: 680<br> Representative FICO: 801 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/06/2024 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304423430 | 32478125 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304423430 | 32478126 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 36.21<br> Guideline Requirement: 12.19 | Originator,SitusAMC | xxxx |  |  | 12/11/2024 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304462279 | 32490960 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304462279 | 32490961 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304462279 | 32514922 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | LP in file reflects Ineligible/Caution. The guidelines state an ineligible accept is required for LTV's over 80%. |  |  |  | xxxx | 01/16/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304438601 | 32500614 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304438601 | 32500624 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304438601 | 32500625 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/27/2024 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304438601 | 32500626 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,192.00 exceeds tolerance of $998.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 12/27/2024 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304438601 | 32500850 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304459326 | 32509203 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304459326 | 32541136 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304459326 | 32541137 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,702.50 exceeds tolerance of $4,294.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/02/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304470068 | 32517584 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304472718 | 32578347 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $106.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/06/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304472432 | 32569959 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | LA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304472432 | 32569962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 01/08/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304472432 | 32578842 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $180.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 01/08/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304472432 | 32599828 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $180.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/08/2025 |  | 1 A |  | LA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304459237 | 32570456 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304459237 | 32570472 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304459237 | 32570473 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304459237 | 32570474 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304459237 | 32570475 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304459237 | 32570476 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304459237 | 32570477 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304459237 | 32578451 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $893.26 exceeds tolerance of $857.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/06/2025 |  | 1 A |  | TN | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304462382 | 32593403 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304462382 | 32593441 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304462382 | 32597556 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxx was omitted from qualifying per the AUS. The credit report shows a balance as of xxxx but no other documentation was provided to show this lien has been paid or why it should be excluded. It's listed on the initial application associated with an REO but was removed from the final application. |  |  |  | xxxx | 01/10/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304477105 | 32600701 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304477105 | 32603027 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $117.44 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/09/2025 |  | 1 A |  | GA | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304454259 | 32615696 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender requested exception for Non-Arms Length Transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 80.58<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 786 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 11/14/2024 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
| 304454259 | 32615697 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender requested exception for qualifying AIV > 150% of the median value. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 80.58<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 786 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 11/14/2024 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
| 304461017 | 32625810 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/14/2025 |  |  | 1 B A C |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304461017 | 32625811 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 01/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304461017 | 32625812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 01/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 304461017 | 32625813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 01/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 304461017 | 32625814 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 01/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Non QM | No |
| 304461017 | 32642174 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304461017 | 32642175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304462297 | 32655843 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304462297 | 32655846 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 01/31/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304441798 | 32658600 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 12/09/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304441798 | 32658601 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | xxxx |  |  |  | xxxx |  |  | 12/09/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304441798 | 32658603 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 12/02/2024 | 2 B |  | FL | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304443074 | 32661566 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304443074 | 32661596 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
| 304443093 | 32663538 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304443093 | 32663540 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $2.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 01/17/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304443093 | 32663541 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $217.35 exceeds tolerance of $214.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 01/17/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304481545 | 32682179 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304481545 | 32682181 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $615.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/22/2025 |  | 1 A |  | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304481545 | 32682182 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $869.39 exceeds tolerance of $805.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/22/2025 |  | 1 A |  | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304486031 | 32739674 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304486031 | 32770728 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304486031 | 32771557 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 B A C |  | NY | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304486031 | 32771559 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | NY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304486028 | 32740256 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,627.50 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 02/13/2025 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304492797 | 32739942 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 03/23/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304492797 | 32740011 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304511042 | 32748116 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,181.25 exceeds tolerance of $-29,067.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304511042 | 32748117 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/14/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304511042 | 32748118 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $145.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/14/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304471300 | 32767264 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 35.53<br> Guideline Requirement: 6.00 | Originator,SitusAMC | xxxx |  |  | 12/27/2024 | 2 C B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 304462225 | 32767281 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304494994 | 32787561 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304462254 | 32802326 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 12/27/2024 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| 304462254 | 32802327 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 12/27/2024 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| 304462254 | 32802328 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 12/27/2024 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
| 304462254 | 32802571 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | xxxx | 06/27/2025 |  |  | 1 A |  | CA | Investment | Purchase | B A |  | N/A | No |
| 304510370 | 32818303 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304510370 | 32818308 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $680.00 exceeds tolerance of $530.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/10/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304471325 | 32813454 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 01/17/2025 |  |  | 1 C A D |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304476758 | 32813496 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 01/23/2025 |  |  | 1 C A D |  | NJ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304493262 | 32833375 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304493262 | 32833440 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304493262 | 32836734 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The credit card statement provided for xxxx shows the borrower has a $xxxx past due balance as of xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 9.72248% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/28/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304473701 | 32836411 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304492651 | 32836543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304492651 | 32836544 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $237.00 exceeds tolerance of $186.00 plus 10% or $204.60. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304492651 | 32836546 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $115.45 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304492651 | 32857448 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $237.00 exceeds tolerance of $186.00 plus 10% or $204.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/16/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304492651 | 32857449 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $115.45 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/16/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304492651 | 32866445 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304405525 | 32845243 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 08/29/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845245 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845246 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845247 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845248 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845249 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The vesting is not allowed per guidelines. |  |  |  | xxxx | 09/24/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845250 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405525 | 32845251 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845286 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845287 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845288 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845289 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 08/29/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845290 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845291 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845292 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845293 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The vesting is not allowed per guidelines. |  |  |  | xxxx | 09/24/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845294 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304405632 | 32845295 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 11/20/2024 |  |  | 1 A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304393224 | 32845335 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx | 11/06/2024 |  |  | 1 B A |  | NY | Investment | Purchase | A |  | N/A | No |
| 304393224 | 32845336 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx | 11/06/2024 |  |  | 1 B A |  | NY | Investment | Purchase | A |  | N/A | No |
| 304365492 | 32845399 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A D |  | DC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304365492 | 32845400 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | DC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304365492 | 32845401 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | DC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304442373 | 32845561 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304442373 | 32845563 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/06/2024 | 2 D B |  | FL | Investment | Purchase | D B A |  | N/A | No |
| 304511742 | 32848887 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9,583.93 exceeds tolerance of $7,703.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304511742 | 32855530 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304510939 | 32850126 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,680.50 exceeds tolerance of $1,679.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/14/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304510939 | 32852959 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPA letter does not state that the withdrawal of the funds will not negatively impact the business since the business assets are being used for closing costs and reserves. |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304492146 | 32850162 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304495555 | 32859385 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304495555 | 32859398 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,988.75 exceeds tolerance of $7,076.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304495555 | 32859401 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Real Estate Transaction Fee. Fee Amount of $300.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304495555 | 32859409 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 304495555 | 32859410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304495555 | 32862607 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304495555 | 32933907 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304482911 | 32858985 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304482911 | 32858986 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304471077 | 32874685 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation was a BPO and does not support the value used to qualify. Sec ID: 6 |  | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 C A D |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874686 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 01/14/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874687 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 01/14/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874689 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx |  |  | 01/23/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874690 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx |  |  | 01/23/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874691 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | xxxx |  |  |  | xxxx |  |  | 01/23/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874693 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | BPO variance is 20.833% from the Appraisal dated xxxx with a value of $xxxx. Appraisal dated xxxx is prior to Application date and valued at $xxxx. Missing required 2nd appraisal due to BPO variance being greater 10%. |  |  |  | xxxx | 01/27/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304471077 | 32874694 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx |  |  | 01/27/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Debt Consolidation | D B C A |  | N/A | No |
| 304437414 | 32874710 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 01/24/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304437414 | 32874711 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 01/24/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304486456 | 32874717 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304486456 | 32874718 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304487617 | 32874738 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 01/30/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304487617 | 32874739 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 01/30/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304487617 | 32874742 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 01/30/2025 | 2 B |  | NJ | Investment | Purchase | B A |  | N/A | No |
| 304477243 | 32880841 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304498533 | 32885754 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304631747 | 32885887 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304492148 | 32898091 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304636583 | 32886146 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $403.00 exceeds tolerance of $250.00 plus 10% or $275.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2025 |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304636583 | 32886162 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304492827 | 32908799 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>The representative FICO score is above 680. | 39.05196% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304492827 | 32908851 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304492827 | 32931256 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304477308 | 32909551 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304477308 | 32944392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/11/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304495620 | 32908356 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304495620 | 32935867 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304497774 | 32924848 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304497774 | 32924849 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304497774 | 32924850 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,385.94 exceeds tolerance of $1,290.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/25/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304497774 | 32960227 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304471378 | 32938913 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 797 | Originator,SitusAMC | xxxx |  |  | 01/22/2025 | 2 C B D |  | AR | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304471378 | 32938914 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 797 | Originator,SitusAMC | xxxx |  |  | 01/30/2025 | 2 C B |  | AR | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304471484 | 32938915 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 02/05/2025 |  |  | 1 A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304471484 | 32938916 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Loan Payoff Statement not provided |  | xxxx |  |  |  | xxxx | 01/29/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304471484 | 32938917 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304485241 | 32950596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,466.15 exceeds tolerance of $5,011.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304485241 | 32950597 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304485241 | 32974621 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304485241 | 33093639 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/21/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304637952 | 32958549 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304637952 | 32958646 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304637952 | 32958648 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/03/2025 |  | 1 A |  | AZ | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304632153 | 32958797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304632153 | 32958798 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304632153 | 32958799 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/03/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304632153 | 32958800 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $101.76 exceeds tolerance of $101.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/03/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304634528 | 32959738 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304634528 | 32959804 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304511034 | 32959277 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304636577 | 32959889 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304636577 | 32959890 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304638320 | 32968399 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304638320 | 32968400 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304633033 | 32968691 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304633033 | 32988892 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $544.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/06/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304633033 | 32989595 |  | Property | Appraisal | Appraisal Reconciliation | Appraisal | Missing secondary valuation via Desk Review, Field Review, or 2nd URAR. |  | xxxx |  |  |  | xxxx | 03/22/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304637799 | 32968288 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304637799 | 32968292 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637799 | 32968293 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637799 | 32975469 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304637799 | 32975486 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304637799 | 32975487 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304632734 | 32968841 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NM | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304632734 | 32989325 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304632734 | 32989326 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304632734 | 32989336 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 B A C |  | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304632734 | 32989337 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.24739% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304632734 | 32989350 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304635850 | 32969351 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WA | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304637111 | 32976496 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304637111 | 32976497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304637111 | 32976506 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 304495552 | 32985177 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A | N/A | N/A | No |
| 304495552 | 32985203 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C A | N/A | N/A | No |
| 304613708 | 33005557 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304643439 | 32985117 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304643439 | 32985138 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $99.99 exceeds tolerance of $64.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/06/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304643439 | 33005627 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/30/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304643439 | 33005628 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/30/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304640136 | 32985588 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304640136 | 32985589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304640136 | 32985591 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $94.00 exceeds tolerance of $74.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304475192 | 32985097 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304643307 | 32984931 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304643307 | 32984934 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.76548% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643307 | 32984937 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304643307 | 32984938 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $144.74 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304643307 | 32984939 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/25/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304643307 | 32984946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304643307 | 32984977 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643307 | 32984988 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643307 | 33006210 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304641623 | 32992807 |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. | xxxx |  |  |  |  |  |  |  | 2 B |  | DE | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304637956 | 32995221 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $257.00 exceeds tolerance of $178.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/07/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304637956 | 33015388 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/17/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304641152 | 32995488 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $942.00 exceeds tolerance of $908.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/07/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304637944 | 33002763 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 B A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 304637944 | 33003027 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 304634568 | 33001974 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304634568 | 33001977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/27/2025 |  | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304634568 | 33001978 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $35.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/27/2025 |  | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304634568 | 33024315 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304634568 | 33024316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304642495 | 33001678 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304642495 | 33001681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.93 exceeds tolerance of $126.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304642495 | 33001682 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,437.60 exceeds tolerance of $1,551.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/10/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304510932 | 33003342 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304510932 | 33003366 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304510932 | 33005569 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 B A C |  | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304510932 | 33208952 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304510932 | 33208953 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304632875 | 33003862 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304632875 | 33003895 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/10/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304632875 | 33028497 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing CPA letter reflecting there is a 10% expense ratio for the borrowers business. |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304457968 | 33000480 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304457968 | 33000481 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304510499 | 33000583 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape: Lender request exception for Property < 700 sq.ft. Multiple comps are similar in size and support square footage as being typical for the area. Comp factors: 785 FICO. Borrower to provide sufficient liquidity. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 89.23%<br> Borrower's Own Funds Amount: $xxxx | Originator,SitusAMC<br>SitusAMC | xxxx |  |  | 02/04/2025 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
| 304494267 | 33000669 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304654808 | 33008996 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,147.00 exceeds tolerance of $1,143.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 C A |  | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304654808 | 33275677 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,147.00 exceeds tolerance of $1,143.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304635878 | 33009173 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304654888 | 33009555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304654888 | 33009556 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304666628 | 33072835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 62.44238% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304666628 | 33073042 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304666628 | 33073061 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304666639 | 33074073 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304666639 | 33074167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,804.50 exceeds tolerance of $-8,892.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304666622 | 33118669 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666622 | 33118682 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666622 | 33118715 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 04/26/2025 |  |  | 1 B A C |  | CA | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304666622 | 33118716 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 04/26/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666622 | 33118717 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666622 | 33123609 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666622 | 33123693 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing recent 3rd party verification of self employment. |  |  |  | xxxx | 04/26/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666622 | 33134604 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 17.32645% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/07/2025 | 2 C B |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304666663 | 33100590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $6,300.00 exceeds tolerance of $5,906.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/28/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304666634 | 33072287 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304633022 | 33023019 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $213.00 exceeds tolerance of $92.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/12/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304663414 | 33021623 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304663414 | 33058884 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304663414 | 33058885 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304654909 | 33021370 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304633023 | 33026799 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304633023 | 33026800 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304633023 | 33066047 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | xxxx |  |  |  | xxxx | 03/19/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304641271 | 33026810 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304641271 | 33026827 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304666731 | 33026995 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304666731 | 33026997 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | KS | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304666731 | 33026998 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | KS | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304666731 | 33027000 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $7,129.38 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | KS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304632037 | 33026649 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304632037 | 33026652 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,520.66 exceeds tolerance of $2,392.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304632037 | 33026653 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304632522 | 33038081 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304644206 | 33037670 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304644206 | 33037761 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304644206 | 33037762 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304644206 | 33039000 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $565.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/14/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304644206 | 33039001 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $235.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/14/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304644206 | 33039002 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,035.00 exceeds tolerance of $870.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/14/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304642538 | 33040332 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304642538 | 33040363 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304642538 | 33040365 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304642538 | 33040366 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304642538 | 33040367 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304495237 | 33039073 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $258.85 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/14/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304643304 | 33037777 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304641640 | 33059917 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. |  |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| 304643980 | 33064439 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 30.23660% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/02/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643980 | 33064451 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304643980 | 33064452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304415760 | 33060615 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304415760 | 33060616 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304415760 | 33060620 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 03/17/2025 |  | 1 A |  | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes |
| 304494065 | 33063422 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/13/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304494065 | 33063423 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304457447 | 33063478 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304635640 | 33063542 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063544 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 02/20/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063545 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 02/20/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063546 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx |  |  | 02/14/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063548 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx |  |  | 02/14/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063549 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | xxxx |  |  | 02/14/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304635640 | 33063550 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A D |  | SC | Investment | Refinance - Cash-out - Other | D B A C |  | N/A | No |
| 304638310 | 33075598 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304643992 | 33071829 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643992 | 33072072 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304643992 | 33072074 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304643992 | 33072075 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304643992 | 33072208 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643992 | 33074252 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 753 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/02/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643992 | 33074274 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304643992 | 33074275 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304640452 | 33073298 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304640452 | 33073300 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $580.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/18/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304640452 | 33073301 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/18/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304636467 | 33071584 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304643434 | 33086523 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 D A |  | MN | Primary | Purchase | D A | Non QM | Non QM | No |
| 304643985 | 33088533 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304643985 | 33088766 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304643985 | 33088768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304643985 | 33088769 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637946 | 33093434 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | xxxx | 03/26/2025 |  |  | 1 B A |  | CO | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304637946 | 33093621 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/17/2025 |  | 2 C B |  | CO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637946 | 33093622 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/17/2025 |  | 2 C B |  | CO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637946 | 33093623 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304511192 | 33093418 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304638566 | 33100458 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304638566 | 33100462 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | xxxx |  | 05/05/2025 |  | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304638566 | 33102087 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304638566 | 33102088 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304665260 | 33108476 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304665260 | 33108477 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes |
| 304664574 | 33108197 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304664574 | 33108200 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,816.75 exceeds tolerance of $5,001.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304664574 | 33381489 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,816.75 exceeds tolerance of $5,338.63. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 04/30/2025 |  | 1 A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304666844 | 33118815 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/26/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304666844 | 33118816 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | xxxx |  | 04/29/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304642370 | 33124587 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | NM | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304642370 | 33131183 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NM | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304668964 | 33124445 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304666822 | 33118846 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $232.00 exceeds tolerance of $202.00 plus 10% or $222.20. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2025 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304666822 | 33118847 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $945.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2025 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304666822 | 33137320 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304666822 | 33137386 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304641289 | 33123807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641289 | 33123811 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/22/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304641289 | 33123812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 04/22/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304641289 | 33123813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx |  | 04/22/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304641289 | 33325244 |  | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, LOE, re-opening of rescission and proof of delivery required. |  | xxxx |  |  |  | xxxx |  | 05/26/2025 |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form C B | Non QM | Non QM | Yes |
| 304667921 | 33123585 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304667921 | 33125793 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $680.00 exceeds tolerance of $560.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304667921 | 33137680 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304667921 | 33137681 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304665295 | 33129932 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304665295 | 33129940 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $64.00 plus 10% or $70.40. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304643472 | 33140722 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304654880 | 33145199 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304666840 | 33145336 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304666840 | 33145338 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $129.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/31/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304666840 | 33145339 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $14,600.00 exceeds tolerance of $14,500.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/31/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304666840 | 33145342 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 31.83913% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/09/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666840 | 33145351 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304666840 | 33145352 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666712 | 33145355 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304666712 | 33145357 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666712 | 33145358 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | MD | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 304671377 | 33145178 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304671377 | 33145181 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-351.68 exceeds tolerance of $-547.68. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304671377 | 33145182 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304671377 | 33145197 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304671377 | 33227415 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/10/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304637961 | 33146064 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 B A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304637961 | 33146155 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304637961 | 33146156 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304637961 | 33146157 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304637961 | 33146159 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). |  |  |  |  | xxxx | 04/25/2025 |  |  | 1 A |  | AL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304637961 | 33146160 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637961 | 33146161 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304637961 | 33146163 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $640.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/31/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304471249 | 33144075 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304671550 | 33152067 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304666702 | 33152402 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 04/03/2025 |  |  | 1 C A |  | PA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304666702 | 33152422 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $110.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304639790 | 33154170 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 A D |  | CA | Primary | Purchase | D A C | Non QM | Non QM | No |
| 304639790 | 33154219 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304666843 | 33154225 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666843 | 33154232 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304666843 | 33154257 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304674673 | 33154388 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304674673 | 33154389 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304674673 | 33154390 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304674673 | 33154391 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304674673 | 33154392 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304674673 | 33154393 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304674673 | 33154394 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641138 | 33152008 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641138 | 33152011 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304641138 | 33152012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304641138 | 33152013 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/01/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304498314 | 33176422 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304498314 | 33176423 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304498314 | 33176424 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304498314 | 33176425 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304498314 | 33176426 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304498314 | 33176427 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304498314 | 33176430 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304498314 | 33176431 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304498314 | 33176432 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304498314 | 33176433 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/02/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304498314 | 33197072 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | xxxx | 04/15/2025 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| 304676184 | 33176162 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304676184 | 33176164 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304676184 | 33176165 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304676184 | 33176166 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $780.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/02/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304641194 | 33175710 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304641194 | 33175747 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304641194 | 33175748 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641194 | 33175750 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/14/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304674611 | 33184327 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304674611 | 33184428 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx. | 749 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 B |  | VA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304641145 | 33183568 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641145 | 33183589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,769.00 exceeds tolerance of $2,698.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/02/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304678088 | 33181445 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304641239 | 33182417 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 304641239 | 33205533 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $385.00 exceeds tolerance of $323.00 plus 10% or $355.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304641239 | 33205534 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304641239 | 33205535 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.00 exceeds tolerance of $65.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304641239 | 33205536 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $10,010.10 exceeds tolerance of $9,720.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304678027 | 33182574 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/03/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304663304 | 33189898 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Purchase | B A | Non QM | Non QM | No |
| 304663304 | 33190084 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $375.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/04/2025 |  | 1 A |  | KY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304666736 | 33188013 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304676148 | 33195481 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 760 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/15/2025 | 2 C B |  | WY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304667928 | 33190980 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304667928 | 33190987 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304667928 | 33190988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304667928 | 33194201 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,893.38 exceeds tolerance of $2,800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/04/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304667928 | 33203309 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304635851 | 33197044 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/07/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304635851 | 33197045 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,320.00 exceeds tolerance of $2,043.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/07/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304635851 | 33197057 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304635851 | 33197058 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304635851 | 33197069 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304635851 | 33199407 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304676181 | 33198427 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304676181 | 33198483 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304676181 | 33198485 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304676181 | 33198486 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304676181 | 33198487 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $583.50 exceeds tolerance of $566.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/07/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678196 | 33196901 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304678196 | 33197137 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304678196 | 33197138 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304678196 | 33197139 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304678196 | 33197140 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304678196 | 33197141 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304678196 | 33197142 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304678066 | 33197205 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678066 | 33197249 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304678066 | 33197250 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304678066 | 33197375 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304678066 | 33197382 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $355.00 exceeds tolerance of $222.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304678066 | 33233739 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $355.00 exceeds tolerance of $342.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/11/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304641799 | 33198304 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304641799 | 33198313 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304670834 | 33197094 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304670834 | 33203601 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304667721 | 33197360 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304667721 | 33197385 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304667721 | 33197386 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304638667 | 33207317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/19/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304638667 | 33207318 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 05/19/2025 |  | 2 C B |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304638667 | 33207320 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $495.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/20/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304641278 | 33208807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304641278 | 33208811 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,817.49 exceeds tolerance of $1,520.00 plus 10% or $1,672.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/16/2025 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304641278 | 33208813 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $84.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304641278 | 33208814 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $107.75 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/16/2025 |  | 2 C B |  | AR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304643298 | 33207382 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304681129 | 33207806 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304476686 | 33205107 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 01/30/2025 |  |  | 1 C A D |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304476686 | 33205108 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 304635802 | 33205120 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304635802 | 33205121 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has xxxx of Experience. | SitusAMC,Originator | xxxx |  |  | 02/24/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304635802 | 33205122 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304635802 | 33205123 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 03/19/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304679646 | 33216008 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304679646 | 33216015 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $225.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/06/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304679646 | 33216016 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $887.50 exceeds tolerance of $578.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/01/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304677376 | 33224472 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677376 | 33224508 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304677376 | 33224750 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677376 | 33224893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304677376 | 33224894 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677376 | 33230788 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,199.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/10/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678063 | 33231726 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304670838 | 33228158 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304676852 | 33227586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-162.80. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304676852 | 33227587 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $607.20 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304676852 | 33227588 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $120.50 exceeds tolerance of $120.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304676852 | 33289267 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $120.50 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/17/2025 |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304666827 | 33229468 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304680589 | 33228836 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304677706 | 33230452 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304677706 | 33230454 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304677706 | 33230455 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304681728 | 33245780 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.93 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681728 | 33245788 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304678854 | 33245901 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304643183 | 33247368 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $90.70 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304643183 | 33272916 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,148.40 exceeds tolerance of $-5,636.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304643183 | 33272917 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $90.70 exceeds tolerance of $80.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304679248 | 33246780 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304667856 | 33247028 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $99.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304673655 | 33246321 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>The representative FICO score is above 680. | Good credit and employment history | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/15/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304673655 | 33246333 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304673655 | 33246334 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304679644 | 33246623 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304667960 | 33248053 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304667960 | 33248077 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304667960 | 33248082 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | NC | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678742 | 33247427 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SD | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304678742 | 33247431 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,800.00 exceeds tolerance of $5,408.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/20/2025 |  | 2 C B |  | SD | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304678742 | 33247540 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | SD | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304678742 | 33274799 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | SD | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304678742 | 33274817 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 B A C |  | SD | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304678742 | 33274818 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | SD | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304677292 | 33248025 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $2,200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304677320 | 33247343 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | ME | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304677320 | 33247376 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | ME | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304677881 | 33281565 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304677881 | 33281609 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $90.70 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304676068 | 33249801 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304678739 | 33248907 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | B A | Non QM | Non QM | No |
| 304682103 | 33247271 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304682103 | 33247274 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $94.00 exceeds tolerance of $64.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304682103 | 33247275 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,852.83 exceeds tolerance of $3,440.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/14/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304467123 | 33249764 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of xxxx Status not provided |  | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304638629 | 33249766 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304643529 | 33249771 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | DC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304636438 | 33249778 |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304687286 | 33277129 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (2025). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2025) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| 304687286 | 33277183 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Investment | Purchase | B A | N/A | N/A | No |
| 304682016 | 33276200 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304682016 | 33276247 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304682016 | 33276259 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304682016 | 33276267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304680925 | 33277801 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304680925 | 33277802 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304680925 | 33277803 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304680925 | 33277804 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304680925 | 33277805 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304680925 | 33277806 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304680925 | 33277807 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304680925 | 33277834 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $304.00 exceeds tolerance of $205.00 plus 10% or $225.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/15/2025 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681724 | 33281791 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (xxxx Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  | xxxx |  | 05/09/2025 |  | 2 C B |  | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304681709 | 33282886 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304632761 | 33273344 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 D A |  | NY | Primary | Purchase | D A B | Non QM | Non QM | No |
| 304632761 | 33273345 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 B A |  | NY | Primary | Purchase | D A B | Non QM | Non QM | No |
| 304638990 | 33273594 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative and CPA Letter is missing. |  |  |  | xxxx | 03/28/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 304638990 | 33273599 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 304638990 | 33273600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304638990 | 33273601 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | MO | Primary | Purchase | C A | Non QM | Non QM | No |
| 304483044 | 33273805 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 01/28/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304483044 | 33273806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 01/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304483044 | 33273807 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304483044 | 33273808 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 01/29/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304483044 | 33273809 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | xxxx |  |  |  | xxxx | 03/05/2025 |  |  | 1 A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304483044 | 33273810 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible property type: Per guidelines, Properties with deed restrictions. They may only be approved on a case-by-case basis (e.g., age- restricted communities) . Per appraisal, property is in a xxxx. |  |  |  | xxxx | 03/03/2025 |  |  | 1 A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304483044 | 33273811 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property was vacant. Vacancies accepted with sufficient LOE (tenant turnover, recent rehab of subject, etc.),with supporting documentation (inspection, COO, active MLS rental listing, etc.). Missing LOX or other documentation. |  |  |  | xxxx | 01/31/2025 |  |  | 1 A |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304471922 | 33273888 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 02/25/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304471922 | 33273889 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/26/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304471922 | 33273890 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 02/26/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304494384 | 33273894 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304494384 | 33273895 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304494384 | 33273896 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 02/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304494384 | 33273897 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 02/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304485270 | 33273908 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 02/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304485270 | 33273909 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 02/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304485270 | 33273910 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/28/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304485270 | 33273911 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 02/28/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304485270 | 33273912 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304642798 | 33273945 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 03/06/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304642798 | 33273946 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 03/06/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304642798 | 33273947 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 03/06/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304643496 | 33274004 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 B A |  | FL | Investment | Purchase | B A |  | N/A | No |
| 304638988 | 33274010 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304638988 | 33274011 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 B A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304638988 | 33274014 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304638988 | 33274015 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 03/17/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304684583 | 33284364 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304684583 | 33284367 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $167.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/16/2025 |  | 1 A |  | IL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304640365 | 33284226 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304640365 | 33284295 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678314 | 33291235 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304678314 | 33292510 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $304.00 exceeds tolerance of $274.00 plus 10% or $301.40. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/17/2025 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678314 | 33292512 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $890.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/17/2025 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678790 | 33293108 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/22/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678790 | 33293153 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304678293 | 33293408 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $442.66 exceeds tolerance of $400.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/17/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304681768 | 33292842 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx |  | 04/25/2025 |  | 2 C B |  | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304681768 | 33293013 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 304483545 | 33303016 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 A D |  | AZ | Second Home | Refinance - Rate/Term | D B C A | Non QM | Non QM | No |
| 304483545 | 33303039 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | D B C A | Non QM | Non QM | No |
| 304483545 | 33303069 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Second Home | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304483545 | 33308285 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | D B C A | Non QM | Non QM | No |
| 304483545 | 33308296 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | D B C A | Non QM | Non QM | No |
| 304483545 | 33308381 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Rate/Term | D B C A | Non QM | Non QM | No |
| 304685304 | 33306921 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/18/2025 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304682204 | 33303260 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304686292 | 33307161 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304686292 | 33309899 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304665289 | 33326113 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 304665289 | 33326114 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 304665289 | 33326115 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 304665289 | 33326225 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 304682121 | 33327028 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304677756 | 33321278 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304682081 | 33322465 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304674454 | 33321788 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304674454 | 33321791 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $118.45 exceeds tolerance of $85.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/22/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304674456 | 33322853 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $642.00 exceeds tolerance of $335.00 plus 10% or $368.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/22/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304471461 | 33323008 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304481206 | 33323010 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A D |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304481206 | 33323011 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304481206 | 33323012 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Arbitration Agreement, Environmental Indemnity Agreement and Loan and Security Agreement reflect guarantors xxxx and xxxx instead of xxxx and xxxx. |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304481206 | 33323013 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a double closing. Purchase price paid by the borrowing entity $xxxx exceeds 20% of original purchase price $xxxx paid by wholesaler xxxx in the 1st transaction of the double closing. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's Own Funds Percent: 100.00%<br> Borrower's Own Funds Amount: $xxxx<br>Reserves: 1,017.25<br> Guideline Requirement: 17.39 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 02/27/2025 | 2 C B |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304481206 | 33323014 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | OH | Investment | Purchase | D B A |  | N/A | No |
| 304481035 | 33323016 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304481035 | 33323017 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304481035 | 33323018 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304632313 | 33323030 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.85<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 791 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 03/20/2025 | 2 C B |  | AL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304677045 | 33323067 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Data compare needs to be addressed. |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304682671 | 33323070 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Data compare discrepancy need to be addressed. |  |  |  | xxxx | 03/21/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304481191 | 33323097 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304494195 | 33323108 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower has owned the subject property for at least xxxx.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 58.00000%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 789 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 03/21/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304676978 | 33323125 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304676978 | 33323127 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682581 | 33323153 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 03/28/2025 |  |  | 1 C A D |  | LA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304682581 | 33323154 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 03/28/2025 |  |  | 1 C A |  | LA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304682692 | 33323159 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | MN | Investment | Purchase | C A |  | N/A | No |
| 304677002 | 33323181 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape. Lender approved loan amount of $xxxx Based on SOW for the building divided by xxxx the LTC which is exceeding 140%. Subject LTV is 58.08%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 58.08824%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 783 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/01/2025 | 2 B |  | ID | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304677034 | 33323213 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304510402 | 33323231 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on Tape: The lender exception has been requested for the property square feet of 672 which is 8 square feet less to meet the requirement of 700 sq ft. The lender exception is approved with compensating factors of 751 | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 65.00000%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 752 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/04/2025 | 2 B |  | VA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304671697 | 33331933 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Refinance - Cash-out - Debt Consolidation | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 304671697 | 33331951 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 A D |  | KS | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| 304671697 | 33332651 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Refinance - Cash-out - Debt Consolidation | D B A | Non QM | Non QM | No |
| 304685319 | 33333822 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $8,428.00 exceeds tolerance of $7,619.00 plus 10% or $8,380.90. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/23/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685319 | 33333823 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/23/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685319 | 33334037 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304677363 | 33333023 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304681705 | 33330851 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/23/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681705 | 33336857 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit xxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | Non QM | Non QM | Yes |
| 304681143 | 33332143 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304684697 | 33334202 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304684697 | 33334203 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304684697 | 33334204 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304684697 | 33334205 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304684697 | 33334206 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304439958 | 33328627 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 08/21/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304439945 | 33328629 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Appraisal provided reflects appraised value of $xxxx, which is less than $75,000 minimum required. Exception is approved for the property value with requirement of 728 FIOC and DSCR 1.5 or higher. FICO and DSCR requirements are both met. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.67<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 728 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/08/2024 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304439904 | 33328669 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/21/2024 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439904 | 33328670 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects deferred maintenance for noted chipping paint of the porch column and trim. A cost to cure not to exceed $200 is noted on the appraisal. HUD-1 does not reflect escrow holdback and proof of the completion of the deferred maintenance is not provided. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.77<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 795 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/21/2024 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439866 | 33328682 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/01/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304439913 | 33328686 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | DSCR Worksheet reflects Other Monthly Expenses of $100. Documentation for verification of the other expense is not provided. |  |  |  | xxxx | 09/29/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304439913 | 33328687 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 10/03/2024 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304439929 | 33328688 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 09/27/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439929 | 33328690 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 45.69<br> Guideline Requirement: 8.74<br>The DSCR of 1.28 is greater than the minimum required DSCR of 1.00. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 09/22/2024 | 2 B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304439929 | 33328691 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304476937 | 33328747 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx |  |  |  | xxxx | 02/13/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 304476937 | 33328749 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 37.41%<br> Borrower's Own Funds Amount: $xxxx<br>Guidelines Representative FICO: 660<br> Representative FICO: 769 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 03/03/2025 | 2 B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 304494203 | 33328772 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304494203 | 33328773 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304481064 | 33328795 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304481064 | 33328796 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304481159 | 33328829 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal was completed by a non approved AMC. Exception approval for the non approved AMC is found on the UW Narrative with requirement of appraisal transfer letter and proof of paid invoice which are both provided. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 764 | Originator,SitusAMC | xxxx |  |  | 02/20/2025 | 2 C B |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304481159 | 33328830 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304481159 | 33328831 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | xxxx |  |  |  | xxxx | 03/06/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304510460 | 33328836 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 03/06/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304674599 | 33343880 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304683344 | 33343474 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/24/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304683344 | 33346041 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
| 304674662 | 33343642 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674662 | 33343643 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674662 | 33343644 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674662 | 33343645 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674662 | 33343646 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304674662 | 33343647 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674662 | 33343648 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304674662 | 33343650 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | Texas Anti-Predatory Lending Statute: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 304674662 | 33343696 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/24/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304674662 | 33343697 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $133.21 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/24/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304635027 | 33340818 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| 304635027 | 33340819 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $112.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304635027 | 33346410 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304635027 | 33346420 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304676930 | 33343540 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304676930 | 33343605 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304676930 | 33349634 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304681377 | 33348506 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304681377 | 33352124 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $855.00 exceeds tolerance of $785.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681377 | 33352125 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $955.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681377 | 33354471 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681377 | 33354489 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304691222 | 33349652 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304691222 | 33349656 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $705.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304685216 | 33349102 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685216 | 33349103 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685216 | 33349199 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304685216 | 33349246 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304685216 | 33349247 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304682102 | 33349084 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304682196 | 33349012 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $3,675.00 exceeds tolerance of $3,594.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304682196 | 33349013 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $655.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/25/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304691513 | 33359416 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304691513 | 33359497 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304691513 | 33359499 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,028.46 exceeds tolerance of $996.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/28/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304676138 | 33359191 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $702.00 exceeds tolerance of $627.00 plus 10% or $689.70. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/28/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685308 | 33359078 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,430.48 exceeds tolerance of $-2,548.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304685239 | 33357563 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/28/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685239 | 33357564 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/28/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685239 | 33363777 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304684698 | 33358121 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304677132 | 33367144 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304683217 | 33368857 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/29/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304682009 | 33366310 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304682009 | 33370621 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. | Good employment history. Proceeds to be used as reserves. Decent credit | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/29/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304467128 | 33369929 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 D A |  | MD | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304490514 | 33369946 |  | Credit | Credit | Credit Documentation | Credit | Valuation Error: Purchase contract price not provided. |  | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |
| 304683298 | 33384271 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304683298 | 33384274 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,106.53 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 04/30/2025 |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304683298 | 33384277 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx |  | 05/12/2025 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304678853 | 33382157 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304688497 | 33382754 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304688497 | 33387086 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,078.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304687180 | 33386132 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
| 304686625 | 33398259 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 32.45311% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/13/2025 | 2 C B |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304691355 | 33400543 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304691355 | 33400549 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304498347 | 33401180 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304688419 | 33401567 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/02/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304688419 | 33401583 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304684692 | 33401155 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304677130 | 33403009 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677130 | 33403010 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677130 | 33403011 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677130 | 33403012 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677130 | 33403013 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304677130 | 33403015 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677130 | 33403016 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304677130 | 33403025 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304685684 | 33422498 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304685684 | 33422505 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304685684 | 33422506 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304693639 | 33402574 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693639 | 33402577 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $520.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/02/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304693639 | 33402578 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $166.12 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/02/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304677840 | 33402653 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304681165 | 33401572 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681165 | 33401596 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681165 | 33401597 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681165 | 33401598 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681165 | 33401599 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681165 | 33401600 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304681165 | 33401601 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304681165 | 33401602 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304681165 | 33401605 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $259.00 exceeds tolerance of $184.00 plus 10% or $202.40. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/02/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304691491 | 33403371 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304691491 | 33403421 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304691491 | 33403422 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304678851 | 33403504 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678851 | 33403541 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than xxxx.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 14.00467% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/27/2025 | 2 C B |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304678851 | 33433201 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $930.00 exceeds tolerance of $515.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/08/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678851 | 33433202 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/08/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304678851 | 33433203 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $96.00 exceeds tolerance of $93.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/08/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304691488 | 33409134 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $262.61 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/05/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304685227 | 33408441 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304681693 | 33408069 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304683418 | 33407694 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304683418 | 33408997 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304694956 | 33409514 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304694956 | 33409517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,996.96 exceeds tolerance of $3,950.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304694956 | 33457619 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,996.96 exceeds tolerance of $3,950.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/15/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304671213 | 33410113 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304677024 | 33410138 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304677024 | 33410139 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304682497 | 33410157 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/01/2025 | 2 B |  | MD | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304682542 | 33410203 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304677109 | 33410265 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304671180 | 33410292 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 04/14/2025 |  |  | 1 C A |  | MS | Investment | Purchase | C A |  | N/A | No |
| 304671180 | 33410293 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 04/11/2025 |  |  | 1 C A |  | MS | Investment | Purchase | C A |  | N/A | No |
| 304682562 | 33410335 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 04/14/2025 |  |  | 1 D A |  | TN | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304682728 | 33410341 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 720<br> Representative FICO: 781<br>Reserves: 43.35<br> Guideline Requirement: 10.89 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/11/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304682728 | 33410342 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | Note Date: ___; Lien Position: ___ | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304699195 | 33410357 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 D A |  | MS | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 304693734 | 33434763 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304693734 | 33434775 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304691465 | 33434403 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304691465 | 33434404 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304691465 | 33434405 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304691465 | 33434406 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304691465 | 33434407 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304691465 | 33434408 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304685812 | 33435197 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 304685846 | 33435506 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693632 | 33435155 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304683296 | 33440970 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304683296 | 33441003 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304684682 | 33441484 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304694861 | 33440030 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304694861 | 33440041 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304694861 | 33440131 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304694861 | 33440159 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304694861 | 33440160 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304694861 | 33440161 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304694861 | 33440162 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. D B C | Non QM | Non QM | Yes |
| 304694861 | 33440169 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Non QM | No |
| 304691223 | 33440975 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304691223 | 33440976 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $37,038.00 exceeds tolerance of $36,338.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304694182 | 33441194 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304685246 | 33441647 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304685246 | 33441656 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304685246 | 33442144 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304693724 | 33440125 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693724 | 33440127 |  | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxx County Threshold Loan (Points and Fees) | xxxx Predatory Lending Ordinance: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total $xxxx on a County Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | B A | Non QM | Non QM | No |
| 304686656 | 33440932 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304692570 | 33440503 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
| 304685301 | 33442058 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304685301 | 33455603 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 05/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304691266 | 33440140 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $845.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304691266 | 33440141 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,195.00 exceeds tolerance of $1,095.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304613722 | 33436707 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/19/2025 |  |  | 1 C A |  | KY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304613722 | 33436709 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 03/19/2025 |  |  | 1 C A |  | KY | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304613722 | 33436711 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $226.00 exceeds tolerance of $176.00 plus 10% or $193.60. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/03/2025 |  | 2 C B |  | KY | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304637872 | 33436712 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304637872 | 33436714 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 D A |  | GA | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304637872 | 33436715 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304637872 | 33436717 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 03/19/2025 | 2 B |  | GA | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| 304637872 | 33436719 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | D B C A | Non QM | Non QM | No |
| 304642814 | 33436790 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304642814 | 33436791 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304642814 | 33436792 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304671335 | 33436798 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A Business Narrative is required and was not provided for Business Bank Statement loans. |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304671335 | 33436799 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide letter from business accountant or underwriter cash flow analysis to support use of business funds. Account xxxx reflects $xxxx dollar deposit from business account on xxxx. |  |  |  | xxxx | 04/03/2025 |  |  | 1 A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
| 304677164 | 33436800 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304677164 | 33436802 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Provide CPA Letter with expense ratio as it is missing. |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304677164 | 33436803 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304677164 | 33436805 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304677164 | 33436806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | xxxx | 04/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304677164 | 33436807 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $824.20 exceeds tolerance of $611.00 plus 10% or $672.10. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/09/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304677164 | 33436808 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 304665150 | 33436826 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A D |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| 304665150 | 33436828 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Business Narrative describing the type of business and number of employees. |  |  |  | xxxx | 04/02/2025 |  |  | 1 A |  | NY | Primary | Purchase | D A | Non QM | Non QM | No |
| 304663283 | 33436892 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304643273 | 33436901 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304643273 | 33436903 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/07/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304643273 | 33436905 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 A |  | GA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304667833 | 33436980 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship was not provided |  | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 B A |  | TN | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304667833 | 33436985 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 B A |  | TN | Second Home | Purchase | B A | Non QM | Non QM | No |
| 304654693 | 33437006 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 304665149 | 33437024 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 04/22/2025 | 2 B |  | SC | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304665243 | 33437029 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. | xxxx |  |  |  | xxxx |  | 04/17/2025 |  | 2 C B |  | CA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304665243 | 33437031 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 04/15/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | C B A | Non QM | Non QM | No |
| 304665243 | 33437032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $165.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 04/16/2025 |  | 2 C B |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304674475 | 33437040 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 04/15/2025 |  |  | 1 D A |  | FL | Primary | Purchase | D A | Non QM | Non QM | No |
| 304663377 | 33437051 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative and CPA Letter is missing. |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304663377 | 33437053 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304663377 | 33437055 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/09/2025 |  | 1 A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304643235 | 33437109 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy 1084 or income worksheet Document. |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304643235 | 33437110 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304643235 | 33437111 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304643235 | 33437112 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304643235 | 33437113 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Document business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase. Must meet Business verification requirement in seller guide. |  |  |  | xxxx | 04/21/2025 |  |  | 1 A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304671623 | 33437114 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 04/17/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304671623 | 33437117 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $223.30 exceeds tolerance of $152.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/15/2025 |  | 1 A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304671623 | 33437122 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file to use xxxx account as a 3rd tradeline with only 10 months (closed xxxx) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 66 months vs 3 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/15/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304671623 | 33437123 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject is a refinance of a primary residence and the appraisal reflects the property is vacant. Verify the property is owner-occupied. Lender exception provided to use Appraisal from the purchase transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 66 months vs 3 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/06/2025 | 2 B |  | FL | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304654855 | 33437191 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 B A |  | AZ | Investment | Purchase | B A | N/A | N/A | No |
| 304685275 | 33437201 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304640513 | 33437248 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304640513 | 33437250 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | - Open Tradelines: ___ | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304640513 | 33437251 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 03/19/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304640513 | 33437252 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require origination fee to be reflected on line 801 on HUD-1 but it is reflecting on line 804. |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304640513 | 33437253 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 03/04/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304640513 | 33437254 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 03/04/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304640513 | 33437256 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 03/04/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304642566 | 33437269 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 03/31/2025 |  |  | 1 A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437270 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/31/2025 |  |  | 1 B A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437271 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437272 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 03/27/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437273 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Require current lease must be supported with two most recent bank statements showing consecutive rental payments |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437274 |  | Credit | Credit | Miscellaneous | Credit | Reverification of mortgage is inconsistent with original VOM |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437275 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304642566 | 33437276 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Each member is subject to the same underwriting requirements as an individual borrower, (credit and fraud reports and applications etc) and The following documents must be signed as an authorized signer of the entity by each member. xxxx, Note and Security Agreement, Any state and/or federally required settlement statements. <br> . |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304643533 | 33437277 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 B A |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304643533 | 33437278 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 B A |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304643516 | 33437284 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower name as per appraisal report is xxxx and the Note reflects xxxx. |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304643516 | 33437285 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 03/26/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304643516 | 33437286 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 03/26/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304666608 | 33437287 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/04/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304666608 | 33437288 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/03/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304666608 | 33437289 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 03/27/2025 | 2 B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304666608 | 33437290 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 03/27/2025 | 2 B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304666608 | 33437292 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 04/03/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304666608 | 33437294 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 04/03/2025 |  |  | 1 B A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304674641 | 33437295 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | As per Insurance document (Hazard Insurance)$xxxx + (Flood insurance) xxxx /12 = xxxx, However as per first payment letter and HUD-1 the insurance amount is $xxxx. Updated insurance document required with corrected monthly premium. |  |  |  | xxxx | 04/14/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304674641 | 33437298 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 03/28/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304674641 | 33437299 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 03/28/2025 | 2 B |  | NJ | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304654709 | 33437301 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Prepayment Penalty is 36 months advance interest on the amount by which the total of my Prepayments within any 12-month period exceeds twenty percent (20%) of the original Principal amount of the loan. Guidelines allow for 6 months interest. Rate lock provided reflects Fixed 5 % PPP. |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304654709 | 33437302 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least xxxx.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 111 vs | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/11/2025 | 2 C B D |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304654702 | 33437305 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | LA | Investment | Purchase | D A |  | N/A | No |
| 304654702 | 33437307 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 04/09/2025 |  |  | 1 C A |  | LA | Investment | Purchase | D A |  | N/A | Yes |
| 304654702 | 33437308 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A D |  | LA | Investment | Purchase | D A |  | N/A | No |
| 304661424 | 33437324 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 04/10/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304661424 | 33437325 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304661424 | 33437326 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/21/2025 |  |  | 1 C A D |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304393227 | 33437332 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | One of the guarantors has an unspecified criminal offense. Provide verification that this does not pertain to any type of financial fraud. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO 714 | SitusAMC<br>Originator,Aggregator,SitusAMC | xxxx |  |  | 04/01/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304393227 | 33437333 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304393227 | 33437335 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| 304665245 | 33437354 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304665245 | 33437355 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Prepayment calculation type does not meet program requirements. Please provide corrected prepayment documentation using program approved prepayment calculation types provided in section 2 of the program guide. Please provide corrected, executed prepayment addendum, rider, and letter of intent to re-record. Please provide corrected HUD-1 with updated prepayment calculations if applicable. |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304684408 | 33437360 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A D |  | NY | Investment | Purchase | D A |  | N/A | No |
| 304684408 | 33437361 |  | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | NY | Investment | Purchase | D A |  | N/A | No |
| 304688474 | 33437368 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide Note executed by the trustees and the borrowers individually. |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304457454 | 33437375 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304457454 | 33437377 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 793 | Aggregator,SitusAMC | xxxx |  |  | 04/13/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304457454 | 33437378 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 793 | Aggregator,SitusAMC | xxxx |  |  | 04/13/2025 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 304457448 | 33437380 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304457448 | 33437381 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304457448 | 33437382 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304457448 | 33437383 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 04/08/2025 | 2 C B |  | GA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304636439 | 33437386 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing complete 12 month payment history for subject property. The payoff reflects $xxxx in unpaid loan charges or advances. It also only reflects payments for the months of xxxx. |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304694179 | 33445809 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304691219 | 33455262 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304683309 | 33445985 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304683309 | 33445988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304684691 | 33447578 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304692696 | 33446829 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304692696 | 33446832 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,386.80 exceeds tolerance of $4,235.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/13/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304695810 | 33446049 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693869 | 33447333 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $925.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/13/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695095 | 33446234 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304681715 | 33446783 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 304654806 | 33446671 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693927 | 33453524 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693927 | 33453853 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $128.00 exceeds tolerance of $0.00 plus 10% or $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 05/14/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304693927 | 33453854 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $740.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 05/14/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304702048 | 33453501 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  |  |  |  |  | xxxx | 05/23/2025 |  |  | 1 A D |  | IL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304702048 | 33453523 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than xxxx.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Excellent credit, low ratios and low LTV. Over 18 months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/16/2025 | 2 B |  | IL | Primary | Purchase | D B A | Non QM | Non QM | No |
| 304702048 | 33476817 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 304693846 | 33453096 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304693846 | 33453115 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304682014 | 33453291 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| 304682014 | 33453292 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,426.73 exceeds tolerance of $-9,606.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304700943 | 33453313 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304700943 | 33453636 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/14/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700644 | 33471419 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304700644 | 33471423 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $855.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/16/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304702378 | 33473209 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/16/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304667859 | 33480357 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304667859 | 33480360 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304667859 | 33480361 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. | xxxx |  |  |  | xxxx |  | 05/23/2025 |  | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304694965 | 33479595 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NH | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304694973 | 33479400 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304691544 | 33480949 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-358.31 exceeds tolerance of $-1,577.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/29/2025 |  | 2 C B |  | MO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304702437 | 33479942 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304702437 | 33479945 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/19/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304695001 | 33486768 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304695001 | 33486822 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304696899 | 33488547 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 05/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304696899 | 33488549 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | xxxx | 05/24/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304696899 | 33488550 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304696899 | 33488553 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $102.00 exceeds tolerance of $96.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/20/2025 |  | 1 A |  | SC | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304695074 | 33488418 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $182.00 exceeds tolerance of $141.00 plus 10% or $155.10. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/20/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695074 | 33488419 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.25 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/20/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695074 | 33488420 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/20/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304695074 | 33488443 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 05/24/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304704994 | 33499106 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $785.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/21/2025 |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304704994 | 33499110 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304693638 | 33503097 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $535.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/22/2025 |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304691214 | 33496269 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304692567 | 33499239 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680.<br>Borrower has verified disposable income of at least $2500.00. | Good credit and employment history | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 05/22/2025 | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304692567 | 33499246 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304692567 | 33499249 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,084.53 exceeds tolerance of $-3,696.28. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304692567 | 33499250 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $94.00 exceeds tolerance of $78.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/27/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304692567 | 33524373 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $94.00 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/27/2025 |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304702320 | 33494651 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304702320 | 33494655 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/21/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681203 | 33511774 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B | Non QM | Non QM | No |
| 304681203 | 33511786 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B | Non QM | Non QM | No |
| 304681203 | 33511803 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B | Non QM | Non QM | No |
| 304700147 | 33510388 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304694966 | 33510848 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304695109 | 33510754 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304695109 | 33510808 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304705173 | 33515463 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304687115 | 33513417 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-13,405.12 exceeds tolerance of $-13,731.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304687115 | 33513419 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $93.00 exceeds tolerance of $68.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304687115 | 33532330 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $93.00 exceeds tolerance of $68.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/29/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304694164 | 33518374 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $134.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/27/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304710326 | 33521025 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $230.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/27/2025 |  | 1 A |  | UT | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304707166 | 33518850 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $426.00 exceeds tolerance of $398.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/27/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304707166 | 33518862 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304694170 | 33518888 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.00 exceeds tolerance of $94.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/27/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304671169 | 33558170 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All loan documents reflect the name of the layered entity as xxxx. Operating Agreement reflects member xxxx, Articles of Organization, Operating Agreement and Certificate of Good Standing are all provided for xxxx. The discrepancy must be addressed. <br>If docs are to be re-drawn, please also provide Destroyed Note Affidavit and title company's intend to re-record corrected security agreement. |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304671169 | 33558171 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 05/01/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304671169 | 33558172 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304676994 | 33558178 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.60<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 737 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/04/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304676994 | 33558179 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304681537 | 33558181 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304681535 | 33558184 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | DE | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682423 | 33558197 |  | Credit | Guideline | Guideline Issue | Guideline | Leasehold properties are ineligible. |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304682492 | 33558204 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682456 | 33558212 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304692140 | 33558218 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 680<br> Representative FICO: 728<br>Reserves: 44.78<br> Guideline Requirement: 14.92 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/23/2025 | 2 C B |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304692140 | 33558219 |  | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C B A |  | N/A | No |
| 304707275 | 33558241 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 304693206 | 33558283 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693206 | 33558284 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | KY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693368 | 33558296 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  |  |  |  |  | xxxx | 05/13/2025 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304693368 | 33558297 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 757 | Originator,SitusAMC | xxxx |  |  | 04/30/2025 | 2 B |  | IN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304682503 | 33558299 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304695690 | 33558306 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304695690 | 33558307 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304693363 | 33558350 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 660<br> Representative FICO: 768<br>Reserves: 14.24<br> Guideline Requirement: 6.48 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/02/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304693280 | 33558364 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | AL | Investment | Purchase | C A |  | N/A | No |
| 304682446 | 33558378 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304682446 | 33558379 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| 304693365 | 33558419 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304693365 | 33558420 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304693365 | 33558421 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is not provided. Exception approval for the transferred appraisal is found on the UW Narrative and proof of paid invoice required by the exception approval is also provided. |  |  |  | xxxx | 05/08/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304693365 | 33558422 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304687222 | 33558440 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 720<br> Representative FICO: 763<br>Reserves: 149.11<br> Guideline Requirement: 19.09 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/08/2025 | 2 C B |  | AR | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304693349 | 33558450 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304693354 | 33558483 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 680<br> Representative FICO: 794<br>Reserves: 43.82<br> Guideline Requirement: 9.26 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/12/2025 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304693354 | 33558484 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 680<br> Representative FICO: 794<br>Reserves: 43.82<br> Guideline Requirement: 9.26 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/07/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304695735 | 33558486 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | KS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304707114 | 33558541 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.71<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 786 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/13/2025 | 2 B |  | TN | Investment | Purchase | B A |  | N/A | No |
| 304682592 | 33558546 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 700<br> Representative FICO: 790<br>Reserves: 39.62<br> Guideline Requirement: 16.97 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 05/16/2025 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304635813 | 33599273 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.74<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 724 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 03/27/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304693261 | 33599292 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693261 | 33599293 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693261 | 33599294 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304707076 | 33599300 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 304707076 | 33599301 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 304707076 | 33599302 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception is approved and requested for credit does not meet minimum tradeline requirement no active tradelines. tradeline exception is approved to utilize alternative credit as accepting VOM and 12 months phone bill history. Credit depth exhibited via closed tradeline. Previous investor/homeowner. Compensating factors are 14 months reserves, DSCR > 1.300, Low LTV. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.30 is greater than the minimum required DSCR of 1.00.<br>The DSCR of 1.35 is greater than the minimum required DSCR of 1.00. | SitusAMC,Originator<br>SitusAMC,Originator | xxxx |  |  | 05/14/2025 | 2 C B |  | TN | Investment | Purchase | C B A |  | N/A | No |
| 304707022 | 33599318 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304706982 | 33599320 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Appraisal transfer letter is provided. Exception approval is found on UW Narrative and proof of paid invoice required by the exception approval are also provided. |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304707045 | 33599343 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304706947 | 33599353 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | MO | Investment | Purchase | C A |  | N/A | No |
| 304706996 | 33599359 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided. |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304706967 | 33599363 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter is provided. Exception approval for non-approved AMC is found on the UW Narrative. |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304706894 | 33599388 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304706958 | 33599404 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304706975 | 33599408 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| 304708959 | 33599435 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects a different company as the lender. Exception approval is found on UW Narrative. Appraisal transfer letter and proof of paid invoice required by the exception approval are provided. |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304674652 | 33679286 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304674652 | 33679288 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679289 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 304674652 | 33679290 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 05/06/2025 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679291 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | For Borrower: xxxx Income is qualified by 12 months Bank Statement income however require CPA Letter and Third Party Verification/Business entity listing documents as they are missing. |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679292 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679293 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $275.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/02/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304674652 | 33679294 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $102.76 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/02/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304674652 | 33679295 |  | Property | Valuation | Valuation Issue | Valuation | xxxx program guidelines require a CDA (Desk Review) |  | xxxx |  |  |  | xxxx | 04/29/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679296 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 05/06/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679297 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679298 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 05/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679299 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679300 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 05/08/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304674652 | 33679302 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 05/08/2025 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304665241 | 33679309 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304688445 | 33679387 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 05/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304688445 | 33679388 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 B A |  | FL | Primary | Purchase | Good faith redisclosure C A | Non QM | Non QM | Yes |
| 304688445 | 33679390 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304688445 | 33679391 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Paid Off | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on xx/xx/xxxx did not disclose the total principal paid off in 5 years. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured A | Non QM | Non QM | Yes |
| 304688445 | 33679392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Loan Estimate 5 Year Payments | TILA-RESPA Integrated Disclosure - Comparisons: Loan Estimate provided on xx/xx/xxxx did not disclose the total principal paid off in 5 years. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 B A |  | FL | Primary | Purchase | Can Only Cure by Final LE, not on CD Once the initial CD is issued this cannot be cured A | Non QM | Non QM | Yes |
| 304688445 | 33679393 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 304688445 | 33679396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304688445 | 33679398 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304688445 | 33679399 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304676098 | 33679456 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  | 04/29/2025 | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304676098 | 33679459 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter is missing to verify xxxx. Business document provided is not dated to confirm Verification of Employment within 10 business days prior to the Note. |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304692504 | 33679467 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A | N/A | N/A | No |
| 304692504 | 33679470 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Prepayment penalty on rate lock reflects 3 year term with 6 month interest structure however Neither Note or final CD reflects a prepayment penalty. Lender to confirm no PPP required to clear exception. |  |  |  | xxxx | 05/09/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A | N/A | N/A | No |
| 304683275 | 33679634 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  | 05/06/2025 | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304692552 | 33679671 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing evidence the borrower's business ownership percentage must be at least 25%. No CPA letter provided and business entity docs do not confirm percentage only registered agent status. |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304692552 | 33679674 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/06/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304692552 | 33679675 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx |  |  |  | xxxx |  | 05/14/2025 |  | 2 C B |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304687341 | 33679705 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Bank statements showing three Months deposits have been provided (01/25 to 04/25). For rental verification a standard VOR completed by a professional management company or 12 months bank statements/canceled checks and a lease agreement to document the term and payment are required. |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304687341 | 33679708 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 304686286 | 33679732 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 05/29/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304694014 | 33679734 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| 304694014 | 33679735 |  | Credit | Income / Employment | Income Eligibility | Income / Employment | The loan was qualified using Bank Statement to verify income, however the borrower is not Self-Employed. Bank Statement program is for self-employed borrowers otherwise ineligible. |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Non QM | Non QM | No |
| 304694014 | 33679737 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 304694014 | 33679738 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,271.20 exceeds tolerance of $4,221.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/12/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304686439 | 33679760 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than xxxx years, and prior employment history was not documented as required. |  | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | GA | Second Home | Purchase | C A | Non QM | Non QM | No |
| 304642978 | 33679862 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 03/31/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| 304642978 | 33679863 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| 304642978 | 33679864 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| 304642978 | 33679865 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| 304642978 | 33679866 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 05/01/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| 304642978 | 33679867 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $xxxx does not match calculated P&I of $xxxx. Calculated P&I was used for the APR calculation and compliance testing. | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 B A |  | NY | Investment | Purchase | C A B |  | N/A | No |
| 304663386 | 33679870 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 04/08/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304663386 | 33679871 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | :Missing complete page 2 of Settlement Statement (HUD-1), the bottom portion of the page is cut off. |  |  |  | xxxx | 04/15/2025 |  |  | 1 A |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304640313 | 33679877 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 03/29/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304640313 | 33679878 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 03/29/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| 304684413 | 33679891 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304684413 | 33679892 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 04/24/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304684413 | 33679893 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 04/24/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304684413 | 33679894 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx |  |  | 04/25/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304664643 | 33679900 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304664643 | 33679901 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 04/05/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693561 | 33679907 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | Yes |
| 304693561 | 33679908 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A D |  | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304693562 | 33679916 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693562 | 33679917 |  | Credit | Missing Document | General | Missing Document | Missing Document: Contractor W-9 not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693562 | 33679918 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304693562 | 33679919 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304638621 | 33679929 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 68.09816%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 804 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 02/19/2025 | 2 C B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304638621 | 33679930 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 68.09816%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 804 | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 02/19/2025 | 2 C B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304638621 | 33679933 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 01/28/2025 |  |  | 1 C A D |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 304691378 | 33679935 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | xxxx |  |  | 04/30/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304691378 | 33679936 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | xxxx |  |  | 04/30/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304691430 | 33679959 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682167 | 33679961 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304688465 | 33679968 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 05/29/2025 | 2 C B |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304688465 | 33679970 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304688465 | 33679972 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  | xxxx |  |  | 05/12/2025 | 2 B |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304688465 | 33679973 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304688465 | 33679974 |  | Credit | Asset | Asset Documentation | Asset | Borrower has insufficient or no assets to close. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304688465 | 33679975 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The prepay provided does not meet program guidelines. Provide a corrected prepayment using program calculation types provided in section 13.5 of the program guide. Provide an executed prepayment addendum, rider, and letter of intent to re-record. Provide corrected PCCD with updated prepayment calculations if applicable. |  |  |  | xxxx | 05/29/2025 |  |  | 1 A |  | VA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304685721 | 33679977 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304698199 | 33679985 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 B A |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304698199 | 33679986 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304698199 | 33679987 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A D |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304698199 | 33679988 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A D |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304698199 | 33679989 |  | Credit | Guideline | Guideline Issue | Guideline | Title is Vested in a Trust. Required documentation is missing or does not meet the criteria per the guidelines. |  | xxxx |  |  |  | xxxx | 05/16/2025 |  |  | 1 C A |  | CA | Investment | Purchase | D A |  | N/A | No |
| 304707879 | 33679990 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304707879 | 33679992 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304707878 | 33679994 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 05/19/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304692554 | 33680000 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304692554 | 33680002 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304692556 | 33680007 |  | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304702082 | 33680010 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  | xxxx |  |  |  | xxxx |  |  | 05/21/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304702082 | 33680011 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | xxxx |  |  |  | xxxx |  |  | 05/21/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304702082 | 33680012 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304692162 | 33680183 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 05/02/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304494200 | 33684676 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape approved and requested for appraisal is dated xxxx and the expiration date at 120 days is xxxx. Provided 13-day extension to accommodate closing. | Borrower has owned the subject property for at least xxxx.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least xxxx.<br>Guidelines Representative FICO: 660<br> Representative FICO: 789 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 03/21/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304677038 | 33684690 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304677038 | 33684691 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | xxxx | Borrower has owned the subject property for at least xxxx.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least xxxx.<br>Guidelines Representative FICO: 660<br> Representative FICO: 727 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/03/2025 | 2 B |  | MA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304681638 | 33684693 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 04/18/2025 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304681638 | 33684694 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Appraisal expired xxxx. Allowed 10 day extension with new expiration date xxxx. Loan did not close till xxxx and a 442 update to appraisal dated xxxx was provided. | Borrower has owned the subject property for at least xxxx.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least xxxx. | SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/03/2025 | 2 B |  | MA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304682527 | 33684697 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 04/28/2025 |  |  | 1 A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682527 | 33684698 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/08/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682527 | 33684699 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304682546 | 33684701 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304682546 | 33684702 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| 304681548 | 33684713 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 C A |  | MS | Investment | Purchase | C A |  | N/A | No |
| 304676987 | 33684715 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx |  |  |  | xxxx | 04/16/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304682470 | 33684735 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Exception approved for lease term less than a year with comp factors FICO 727, DSCR > 1.200 and over 100k in excess reserves. FICO and DSCR requirement are met however verified reserves are less than $100,000. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 36.51<br> Guideline Requirement: 6.16<br>Guidelines Representative FICO: 680<br> Representative FICO: 727 | SitusAMC,Originator<br>Originator,SitusAMC | xxxx |  |  | 04/18/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304699193 | 33684752 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape: Lender exception approved for leases less than 1 year, short by 6 days. Compensating factors: FICO 834, DSCR >1.200, 20+ months reserves. Comp factors requirements are met. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Guidelines Representative FICO: 680<br> Representative FICO: 834<br>Reserves: 30.00<br> Guideline Requirement: 7.45 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/17/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304682716 | 33684764 |  | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.59<br> Guideline Requirement: 1.00<br>Reserves: 12.73<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 817 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/18/2025 | 2 B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304682716 | 33684765 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 304681499 | 33684768 |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | xxxx |  |  |  | xxxx | 04/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304682458 | 33684775 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 04/23/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304681657 | 33684793 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 64.57<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 753 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/21/2025 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304682538 | 33684802 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304682538 | 33684803 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/25/2025 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 304693230 | 33684830 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 04/24/2025 |  |  | 1 D A |  | OH | Investment | Purchase | D A |  | N/A | No |
| 304693288 | 33684838 |  | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.52<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 763 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/25/2025 | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304677003 | 33685132 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/27/2025 |  |  | 1 A |  | MO | Investment | Purchase | A |  | N/A | No |
| 304695708 | 33684872 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | WI | Investment | Purchase | C A |  | N/A | No |
| 304693351 | 33684923 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file. Appraisal square feet at 647 sq. ft. which is less than minimum sq. ft. value required by guideline. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 61.90<br> Guideline Requirement: 17.31<br>Debt Service Coverage Ratio: 1.67<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 768 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/30/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304695732 | 33684931 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 72.90<br> Guideline Requirement: 8.90<br>Guidelines Representative FICO: 700<br> Representative FICO: 787 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/29/2025 | 2 B |  | OH | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 304693274 | 33685134 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 06/27/2025 |  |  | 1 A |  | MO | Investment | Purchase | A |  | N/A | No |
| 304681515 | 33684959 |  | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reserves: 28.77<br> Guideline Requirement: 6.00<br>Loan to Value: 70.00000%<br> Guideline Maximum Loan to Value: 80.00000% | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 04/30/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |

---

## Exhibit 99.4

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.4**

---

| | |
|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Customer Loan ID** | **Original Loan Amount** |
| 301486650 | C B A |
| 301523096 | C A |
| 303760125 | C D B A |
| 304067094 | A |
| 304067089 | C A B |
| 304029153 | B A |
| 304319976 | C A |
| 304320237 | A |
| 304335456 | A |
| 304322508 | C A |
| 304365413 | A |
| 304366430 | C B A |
| 304379639 | A B |
| 304376179 | C A |
| 304382820 | A B |
| 304380661 | C A |
| 304376623 | A |
| 304383060 | A |
| 304392264 | A B |
| 304397898 | A C B |
| 304365487 | C A |
| 304388117 | C A |
| 304397936 | A |
| 304388465 | B A |
| 304405613 | A B |
| 304397939 | A |
| 304401911 | A |
| 304418774 | A |
| 304397975 | A B |
| 304426328 | C A B |
| 304420474 | A C B |
| 304397858 | C B A |
| 304416312 | B C A |
| 304427799 | B A |
| 304432252 | A C B |
| 304427412 | A |
| 304427500 | A C |
| 304429713 | B C A |
| 304428268 | C A |
| 304428192 | A |
| 304439279 | A B |
| 304432200 | A B |
| 304427435 | A C B |
| 304441463 | A |
| 304443456 | C A B |
| 304432251 | C A B |
| 304457458 | C A B |
| 304423426 | C A |
| 304428309 | C A B |
| 304439846 | A |
| 304439717 | A |
| 304439843 | A |
| 304439764 | A |
| 304458777 | A C B |
| 304433073 | A |
| 304439275 | B A |
| 304458273 | A B |
| 304443295 | A B |
| 304459342 | A |
| 304438694 | A B |
| 304438707 | C B A |
| 304398000 | D B A |
| 304426502 | C B A |
| 304432506 | A |
| 304459185 | A C B |
| 304459182 | A B |
| 304441980 | B C A |
| 304439278 | A B |
| 304459443 | C B A |
| 304459248 | B A |
| 304442647 | B C A |
| 304440033 | B A |
| 304457883 | A B |
| 304423525 | C A B |
| 304423489 | C B A |
| 304439733 | C A B |
| 304439814 | C A B |
| 304423430 | C A B |
| 304462137 | A |
| 304462279 | C B A |
| 304438601 | B A |
| 304459326 | B A |
| 304470068 | A B |
| 304472718 | A |
| 304472432 | A C B |
| 304459237 | B C A |
| 304462382 | C B A |
| 304477105 | A B |
| 304454259 | B A |
| 304461017 | A C B |
| 304458659 | A |
| 304462297 | A C B |
| 304441798 | B A |
| 304443074 | B A |
| 304443093 | A B |
| 304481545 | A B |
| 304458719 | A |
| 304462201 | A |
| 304486031 | C A B |
| 304486028 | A C B |
| 304492797 | C B A |
| 304511042 | A C B |
| 304471300 | C A B |
| 304462225 | C A |
| 304471403 | A |
| 304471408 | A |
| 304494994 | A B |
| 304462254 | A B |
| 304510370 | A B |
| 304471325 | C D A |
| 304476758 | C D A |
| 304471343 | A |
| 304476851 | A |
| 304476836 | A |
| 304493262 | C B A |
| 304473701 | A B |
| 304492651 | A C B |
| 304405525 | C A |
| 304405632 | C A |
| 304393224 | A |
| 304365492 | C D A |
| 304442373 | D A B |
| 304457439 | A |
| 304511742 | A C B |
| 304510939 | C A |
| 304492358 | A |
| 304492146 | A B |
| 304495555 | A C |
| 304482911 | A C |
| 304471077 | C B D A |
| 304437414 | A B |
| 304486456 | A B |
| 304487617 | A B |
| 304477248 | A |
| 304477243 | A C |
| 304498533 | A B |
| 304631747 | A B |
| 304492148 | A B |
| 304636583 | C A |
| 304492827 | C A B |
| 304477308 | B C A |
| 304495620 | B A |
| 304494298 | A |
| 304497774 | A C B |
| 304471378 | C D A B |
| 304471484 | C A |
| 304485241 | A C B |
| 304511644 | A |
| 304510516 | A |
| 304637952 | B C A |
| 304632153 | A C |
| 304634528 | B A |
| 304511034 | A B |
| 304636577 | A C |
| 304494211 | A |
| 304641638 | A |
| 304638320 | A C |
| 304633033 | A C |
| 304663722 | A |
| 304637799 | C A B |
| 304632734 | C A B |
| 304635850 | A B |
| 304637111 | A C |
| 304495552 | C A |
| 304613708 | C A |
| 304643439 | A C B |
| 304640136 | A C |
| 304475192 | A B |
| 304643307 | C A B |
| 304641623 | A B |
| 304637956 | C A |
| 304640138 | A |
| 304641152 | A |
| 304637944 | C A |
| 304483577 | A |
| 304634568 | A C B |
| 304642495 | A C B |
| 304510932 | B C A |
| 304632875 | C A B |
| 304457968 | C A |
| 304494212 | A |
| 304494186 | A |
| 304494223 | A |
| 304510499 | B A |
| 304494267 | C A |
| 304510456 | A |
| 304494175 | A |
| 304494166 | A |
| 304635715 | A |
| 304654808 | A C |
| 304635878 | A B |
| 304654888 | A C |
| 304639710 | A |
| 304666640 | A |
| 304666628 | C A |
| 304666646 | A |
| 304666654 | A |
| 304666639 | C A |
| 304666622 | C A B |
| 304666663 | A C |
| 304666634 | C A |
| 304666641 | A |
| 304633022 | A |
| 304663414 | A C B |
| 304654909 | A B |
| 304641639 | A |
| 304633023 | C A |
| 304641271 | C B A |
| 304666731 | A C B |
| 304632037 | A C B |
| 304632522 | A B |
| 304644206 | B C A |
| 304642538 | B C A |
| 304495237 | A |
| 304643304 | B A |
| 304641640 | A C |
| 304643980 | C A B |
| 304415760 | A C |
| 304494065 | C B A |
| 304442363 | A |
| 304457447 | C A |
| 304467117 | A |
| 304635640 | C D B A |
| 304492437 | A |
| 304480863 | A |
| 304638310 | A B |
| 304638315 | A |
| 304643992 | C A B |
| 304640452 | A B |
| 304669803 | A |
| 304636467 | A B |
| 304636557 | A |
| 304638318 | A |
| 304643434 | A D |
| 304643985 | C A B |
| 304637946 | A C B |
| 304511192 | A B |
| 304638566 | A C B |
| 304665260 | A C |
| 304664574 | A C B |
| 304666844 | A C B |
| 304642370 | B A |
| 304668964 | A B |
| 304666822 | B A |
| 304641289 | A C B |
| 304667921 | A C B |
| 304637959 | A |
| 304665295 | A C B |
| 304643472 | A B |
| 304654880 | A C |
| 304666840 | C A B |
| 304666712 | A C B |
| 304671377 | C A B |
| 304637961 | A C B |
| 304471249 | C A |
| 304671550 | A C |
| 304666702 | A C |
| 304639790 | A C D |
| 304666843 | C A B |
| 304674673 | A C B |
| 304641138 | A C B |
| 304498314 | A C B |
| 304676184 | A C B |
| 304641194 | A C B |
| 304674611 | B A |
| 304641145 | A C B |
| 304678088 | A B |
| 304641239 | A C |
| 304678027 | A |
| 304674600 | A |
| 304663304 | B A |
| 304666736 | A B |
| 304676148 | C A B |
| 304667928 | C A B |
| 304635851 | A B C |
| 304676181 | B C A |
| 304678196 | B C A |
| 304678066 | B C A |
| 304641799 | B A |
| 304677285 | A |
| 304670834 | C B A |
| 304667721 | A C B |
| 304638667 | A C B |
| 304676831 | A |
| 304641278 | A C B |
| 304643298 | B A |
| 304681129 | C A |
| 304476686 | C D A |
| 304635802 | C A B |
| 304671147 | A |
| 304677046 | A |
| 304679646 | A C B |
| 304680596 | A |
| 304677376 | C A B |
| 304678063 | A B |
| 304670838 | C A |
| 304676852 | A C |
| 304666827 | C A |
| 304680589 | A B |
| 304676907 | A |
| 304677706 | A C B |
| 304680561 | A |
| 304681728 | A B |
| 304678854 | B A |
| 304643183 | A C |
| 304679248 | A B |
| 304678350 | A |
| 304667856 | A |
| 304673655 | B A |
| 304679644 | B A |
| 304667960 | B A |
| 304678742 | C A B |
| 304677292 | A C |
| 304679245 | A |
| 304677320 | A B |
| 304677881 | C A |
| 304668967 | A |
| 304676068 | A B |
| 304678739 | A B |
| 304682103 | A B |
| 304493909 | A |
| 304467123 | C A |
| 304638629 | C A |
| 304643529 | C A |
| 304640312 | A |
| 304636438 | C A |
| 304687286 | B A |
| 304682016 | C A B |
| 304680925 | A C B |
| 304681724 | A C B |
| 304681709 | B A |
| 304632761 | A B D |
| 304638990 | C A |
| 304483044 | C B A |
| 304471922 | A B |
| 304494384 | A B |
| 304485270 | C B A |
| 304642798 | B A |
| 304643496 | A B |
| 304638988 | C B A |
| 304684583 | A B |
| 304667864 | A |
| 304679239 | A |
| 304679637 | A |
| 304640365 | B C A |
| 304678314 | A B |
| 304678790 | C B A |
| 304683334 | A |
| 304681376 | A |
| 304682088 | A |
| 304678293 | A |
| 304681768 | B C A |
| 304671329 | A |
| 304483545 | C B A D |
| 304685304 | A |
| 304681125 | A |
| 304678943 | A |
| 304682204 | A B |
| 304686292 | C B A |
| 304685238 | A |
| 304665289 | C A |
| 304682121 | A B |
| 304677756 | A B |
| 304682081 | A B |
| 304674454 | A B |
| 304676731 | A |
| 304679642 | A |
| 304674456 | A |
| 304678734 | A |
| 304471461 | C A |
| 304481206 | D A B |
| 304481035 | C A |
| 304632313 | C A B |
| 304671127 | A |
| 304677045 | C A |
| 304682671 | C A |
| 304671069 | A |
| 304682696 | A |
| 304481191 | C A |
| 304676995 | A |
| 304494195 | B A |
| 304682611 | A |
| 304676974 | A |
| 304677016 | A |
| 304677008 | A |
| 304676991 | A |
| 304682702 | A |
| 304676985 | A |
| 304676978 | C A |
| 304682595 | A |
| 304682634 | A |
| 304676992 | A |
| 304676999 | A |
| 304682587 | A |
| 304682581 | C D A |
| 304682701 | A |
| 304682692 | C A |
| 304682656 | A |
| 304676996 | A |
| 304682568 | A |
| 304676979 | A |
| 304677002 | B A |
| 304676986 | A |
| 304681613 | A |
| 304677005 | A |
| 304677034 | C A |
| 304681503 | A |
| 304682717 | A |
| 304682664 | A |
| 304510402 | B A |
| 304682706 | A |
| 304677032 | A |
| 304671697 | B A D |
| 304680932 | A |
| 304685319 | C A |
| 304677363 | A B |
| 304681705 | A B |
| 304681143 | A B |
| 304684697 | A C B |
| 304439957 | A |
| 304439958 | C A |
| 304439945 | B A |
| 304439921 | A |
| 304477005 | A |
| 304439904 | C A B |
| 304439908 | A |
| 304439910 | A |
| 304439866 | C A |
| 304439913 | C A |
| 304439929 | C A B |
| 304439991 | A |
| 304439931 | A |
| 304476937 | C A B |
| 304471334 | A |
| 304494203 | C A |
| 304481064 | C A |
| 304481159 | C A B |
| 304510460 | C A |
| 304635809 | A |
| 304632343 | A |
| 304635702 | A |
| 304684611 | A |
| 304674599 | A B |
| 304683344 | A B |
| 304674662 | A C B |
| 304635027 | C A |
| 304676930 | B C A |
| 304684684 | A |
| 304681377 | C A B |
| 304691222 | A B |
| 304676835 | A |
| 304685216 | C A |
| 304682102 | A B |
| 304682196 | A |
| 304691513 | B A |
| 304676138 | A |
| 304677876 | A |
| 304685308 | A C |
| 304685072 | A |
| 304685239 | C A |
| 304685234 | A |
| 304684698 | A B |
| 304677132 | A B |
| 304683217 | A |
| 304682009 | B A |
| 304467128 | D A |
| 304467120 | A |
| 304490514 | C A |
| 304685299 | A |
| 304683298 | A C B |
| 304678853 | A B |
| 304686690 | A |
| 304688316 | A |
| 304695086 | A |
| 304688497 | A C B |
| 304687180 | B A |
| 304676848 | A |
| 304691487 | A |
| 304677358 | A |
| 304686625 | C A B |
| 304691355 | A B |
| 304498347 | B A |
| 304678743 | A |
| 304688419 | B A |
| 304684692 | A B |
| 304677130 | B C A |
| 304685684 | C A |
| 304691216 | A |
| 304693639 | A B |
| 304677840 | A B |
| 304681165 | B C A |
| 304685835 | A |
| 304691491 | B A |
| 304678851 | C A B |
| 304682193 | A |
| 304691488 | A |
| 304685227 | A C |
| 304694168 | A |
| 304681693 | A B |
| 304688319 | A |
| 304683418 | B A |
| 304694956 | A C B |
| 304688368 | A |
| 304671261 | A |
| 304671213 | C A |
| 304677024 | C A |
| 304682591 | A |
| 304682497 | B A |
| 304682601 | A |
| 304681573 | A |
| 304682588 | A |
| 304681551 | A |
| 304681443 | A |
| 304682542 | C A |
| 304681659 | A |
| 304682564 | A |
| 304682737 | A |
| 304677109 | C A |
| 304682530 | A |
| 304681557 | A |
| 304671180 | C A |
| 304682727 | A |
| 304682726 | A |
| 304682424 | A |
| 304682725 | A |
| 304682678 | A |
| 304682414 | A |
| 304682434 | A |
| 304681478 | A |
| 304682562 | D A |
| 304682728 | B C A |
| 304682508 | A |
| 304699195 | D A |
| 304677027 | A |
| 304682485 | A |
| 304693300 | A |
| 304693734 | B C A |
| 304691465 | A C B |
| 304685812 | C A |
| 304685846 | A B |
| 304693632 | A B |
| 304683296 | B A |
| 304684682 | A |
| 304695759 | A |
| 304692018 | A |
| 304694861 | B C D A |
| 304691223 | A |
| 304694182 | A B |
| 304693484 | A |
| 304685246 | C A B |
| 304685224 | A |
| 304693724 | A B |
| 304678278 | A |
| 304686656 | A B |
| 304692570 | C A |
| 304695083 | A |
| 304685301 | C B A |
| 304691266 | A |
| 304613722 | C A B |
| 304637872 | C B D A |
| 304642814 | C A |
| 304671335 | C A |
| 304677164 | C D A B |
| 304665150 | C D A |
| 304663283 | C A |
| 304643273 | C A |
| 304667833 | B A |
| 304654693 | C A |
| 304665149 | A B |
| 304665243 | A C B |
| 304674475 | A D |
| 304663377 | C A |
| 304643235 | C A |
| 304671623 | B A |
| 304654855 | A B |
| 304685275 | A C |
| 304686287 | A |
| 304640513 | C B A |
| 304642566 | C A |
| 304643533 | A B |
| 304643516 | C B A |
| 304666608 | C B A |
| 304674641 | C B A |
| 304654709 | C D A B |
| 304654702 | C D A |
| 304510285 | A |
| 304661424 | C D A |
| 304393227 | C D A B |
| 304665245 | C A |
| 304684408 | C D A |
| 304688474 | C A |
| 304457454 | C A B |
| 304457448 | C A B |
| 304636439 | C A |
| 304698313 | A |
| 304694179 | A |
| 304691219 | A B |
| 304698163 | A |
| 304699518 | A |
| 304683309 | A C B |
| 304684691 | A B |
| 304692696 | A B |
| 304695810 | A B |
| 304693869 | A |
| 304698162 | A |
| 304693863 | A |
| 304695095 | A C |
| 304681715 | B A |
| 304654806 | A B |
| 304693927 | A B |
| 304702048 | B A D |
| 304693846 | B A |
| 304682014 | A C |
| 304700943 | B A |
| 304700644 | A B |
| 304702378 | A |
| 304692676 | A |
| 304699525 | A |
| 304699533 | A |
| 304667859 | A C B |
| 304694965 | A B |
| 304694973 | B A |
| 304691544 | A C B |
| 304694953 | A |
| 304704837 | A |
| 304685825 | A |
| 304702437 | A B |
| 304700937 | A |
| 304695001 | B A |
| 304693402 | A |
| 304696899 | A C B |
| 304692206 | A |
| 304695074 | C A |
| 304704994 | A B |
| 304693638 | A |
| 304691214 | A B |
| 304692567 | B C A |
| 304702320 | A B |
| 304681203 | B |
| 304700147 | A B |
| 304694966 | A B |
| 304695109 | B A |
| 304705173 | A B |
| 304687115 | A C |
| 304694164 | A |
| 304710326 | A |
| 304702041 | A |
| 304707166 | B A |
| 304694170 | A |
| 304671169 | C A |
| 304676994 | C A B |
| 304681537 | C A |
| 304681535 | C A |
| 304682423 | C A |
| 304682492 | C A |
| 304682456 | C A |
| 304692140 | C A B |
| 304687232 | A |
| 304693281 | A |
| 304707275 | C A |
| 304693206 | C A |
| 304693368 | C A B |
| 304682503 | C A |
| 304693339 | A |
| 304695691 | A |
| 304695690 | C A |
| 304707278 | A |
| 304707263 | A |
| 304693363 | B A |
| 304693233 | A |
| 304707262 | A |
| 304693280 | C A |
| 304695645 | A |
| 304682430 | A |
| 304693332 | A |
| 304682446 | C A |
| 304693365 | C A |
| 304693199 | A |
| 304693317 | A |
| 304687222 | C A B |
| 304693285 | A |
| 304693349 | D A |
| 304693320 | A |
| 304693354 | C A B |
| 304695735 | C A |
| 304707008 | A |
| 304693208 | A |
| 304693204 | A |
| 304707049 | A |
| 304707012 | A |
| 304695682 | A |
| 304706954 | A |
| 304707114 | B A |
| 304682592 | C A B |
| 304635813 | C A B |
| 304693261 | C A |
| 304707076 | C A B |
| 304695628 | A |
| 304707022 | C A |
| 304706982 | C A |
| 304706991 | A |
| 304707045 | C A |
| 304706923 | A |
| 304706947 | C A |
| 304706996 | C A |
| 304692097 | A |
| 304706967 | C A |
| 304707067 | A |
| 304706894 | C A |
| 304706958 | C A |
| 304706975 | C A |
| 304706990 | A |
| 304695722 | A |
| 304706957 | A |
| 304706941 | A |
| 304707005 | A |
| 304708959 | C A |
| 304706977 | A |
| 304707060 | A |
| 304707037 | A |
| 304708945 | A |
| 304707004 | A |
| 304674652 | C A B |
| 304665241 | C A |
| 304688445 | C A |
| 304676098 | C B A |
| 304692504 | C A |
| 304683275 | A B |
| 304692552 | C A B |
| 304678346 | A |
| 304693376 | A |
| 304687341 | C A |
| 304686286 | C A |
| 304694014 | C A |
| 304702955 | A |
| 304686439 | C A |
| 304705510 | A |
| 304692621 | A |
| 304642978 | C B A |
| 304663386 | A B |
| 304640313 | C A |
| 304684413 | C B A |
| 304664643 | C A |
| 304693561 | C D A |
| 304693562 | C A |
| 304638621 | C D A B |
| 304639749 | A |
| 304691378 | A B |
| 304678071 | A |
| 304639129 | A |
| 304691430 | C A |
| 304682167 | C A |
| 304688465 | C B A |
| 304685721 | C A |
| 304698199 | C D A |
| 304707879 | C A |
| 304707878 | C A |
| 304692554 | C A |
| 304692556 | C A |
| 304702082 | C B A |
| 304692555 | A |
| 304692557 | A |
| 304684742 | A |
| 304684739 | A |
| 304692162 | C A B |
| 304494200 | B A |
| 304677038 | C A B |
| 304681638 | C A B |
| 304682527 | C A |
| 304682546 | C A |
| 304681548 | C A |
| 304676987 | C A |
| 304682698 | A |
| 304682699 | A |
| 304682654 | A |
| 304681626 | A |
| 304681635 | A |
| 304681631 | A |
| 304682441 | A |
| 304682470 | B A |
| 304682486 | A |
| 304699193 | B A |
| 304681625 | A |
| 304682716 | C A B |
| 304681499 | C A |
| 304682522 | A |
| 304682458 | C A |
| 304699191 | A |
| 304677015 | A |
| 304681521 | A |
| 304681657 | B A |
| 304682541 | A |
| 304682538 | C A |
| 304693358 | A |
| 304682479 | A |
| 304682450 | A |
| 304693331 | A |
| 304699192 | A |
| 304693230 | D A |
| 304681505 | A |
| 304682516 | A |
| 304693288 | C A B |
| 304693336 | A |
| 304693271 | A |
| 304692112 | A |
| 304693294 | A |
| 304692152 | A |
| 304682462 | A |
| 304693315 | A |
| 304693273 | A |
| 304677003 | A |
| 304693329 | A |
| 304695708 | C A |
| 304693270 | A |
| 304693266 | A |
| 304692121 | A |
| 304692119 | A |
| 304693291 | A |
| 304693268 | A |
| 304693352 | A |
| 304693351 | B A |
| 304695732 | B A |
| 304693274 | A |
| 304682454 | A |
| 304681515 | B A |
| 304681586 | A |
| 304693195 | A |

---

## Exhibit 99.5

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 301486650 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.357% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 301523096 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.745% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 303760125 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304067094 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304067089 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| 304029153 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304319976 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.90 |
| 304320237 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304335456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304322508 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.021% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.90 |
| 304365413 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304366430 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.158% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304379639 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304376179 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304382820 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304380661 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304376623 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304383060 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.10 |
| 304392264 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.462% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304397898 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304365487 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388117 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304397936 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304388465 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.150% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304405613 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304397939 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.930% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304401911 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304418774 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304397975 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304426328 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304420474 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 304397858 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 304416312 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304427799 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304432252 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304427412 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304427500 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.426% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304429713 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304428268 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428192 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439279 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304432200 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.266% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.266% |  |  |  |  |  |  | No | 4.00 | 3.10 |
| 304427435 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304441463 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.556% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.556% |  |  |  |  |  |  | No |  | 3.30 |
| 304443456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304432251 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.416% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304457458 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304423426 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428309 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439846 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439717 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439843 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439764 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458777 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304433073 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.528% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.50 |
| 304439275 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.40 |
| 304458273 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.624% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.624% |  |  |  |  |  |  | No | 5.00 | 3.20 |
| 304443295 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 |
| 304459342 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 304438694 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304438707 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304398000 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426502 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432506 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304459185 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.757% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| 304459182 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304441980 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304439278 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 304459443 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 304459248 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304442647 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304440033 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304457883 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304423525 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304423489 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439733 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439814 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304423430 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462137 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462279 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304438601 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304459326 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304470068 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304472718 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 304472432 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304459237 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304462382 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304477105 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.268% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.50 |
| 304454259 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -2.222% |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.222% |  |  |  |  |  |  | N/A |  |  |
| 304461017 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.504% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304458659 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304462297 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441798 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443074 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304443093 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304481545 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.571% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458719 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462201 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304486031 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304486028 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 |
| 304492797 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304511042 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.780% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304471300 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462225 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471403 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471408 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494994 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304462254 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.373% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510370 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304471325 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.167% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476758 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471343 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476851 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476836 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304493262 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304473701 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.425% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492651 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304405525 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.995% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304405632 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304393224 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.020% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304365492 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.685% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442373 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.846% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457439 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304511742 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 304510939 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304492358 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304492146 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304495555 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304482911 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 304471077 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 37.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -20.833% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437414 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304486456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304487617 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.703% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477248 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304477243 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304498533 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304631747 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304492148 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304636583 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304492827 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304477308 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304495620 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304494298 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.00 |
| 304497774 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304471378 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471484 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304485241 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304511644 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304510516 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.486% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.486% |  |  |  |  |  |  | N/A |  |  |
| 304637952 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304632153 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| 304634528 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.960% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 |
| 304511034 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304636577 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304494211 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304641638 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| 304638320 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.174% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304633033 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -6.221% |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.221% |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
| 304663722 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304637799 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304632734 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304635850 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304637111 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304495552 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 304613708 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304643439 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 304640136 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.685% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 304475192 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304643307 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304641623 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 304637956 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 304640138 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304641152 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304637944 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| 304483577 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 304634568 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304642495 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304510932 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.517% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 304632875 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.476% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| 304457968 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494212 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494186 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494223 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510499 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.387% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494267 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494175 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494166 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635715 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304654808 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304635878 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304654888 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.861% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304639710 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304666640 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666628 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666646 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304666654 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666639 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304666622 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304666663 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304666634 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304666641 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304633022 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304663414 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304654909 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 304641639 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304633023 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304641271 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.494% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 304666731 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304632037 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304632522 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304644206 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304642538 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304495237 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.545% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.545% |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 304643304 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304641640 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304643980 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.500% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304415760 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304494065 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442363 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.614% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457447 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.538% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467117 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.647% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635640 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492437 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304480863 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638310 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 304638315 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304643992 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 304640452 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.10 |
| 304669803 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304636467 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304636557 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.30 |
| 304638318 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304643434 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 304643985 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304637946 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304511192 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 304638566 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304665260 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304664574 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304666844 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304642370 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304668964 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304666822 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304641289 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304667921 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304637959 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304665295 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304643472 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304654880 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304666840 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304666712 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.277% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.277% |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 304671377 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.40 |
| 304637961 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.963% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.963% |  |  |  |  |  |  | No |  | 1.00 |
| 304471249 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671550 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.536% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304666702 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| 304639790 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 9.480% |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.480% |  |  |  |  |  |  | No |  |  |
| 304666843 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 304674673 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304641138 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498314 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304676184 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304641194 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| 304674611 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304641145 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 304678088 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304641239 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 304678027 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304674600 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304663304 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304666736 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304676148 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304667928 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635851 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 304676181 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304678196 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304678066 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304641799 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 |
| 304677285 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304670834 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304667721 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304638667 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 304676831 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304641278 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.634% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 304643298 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681129 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| 304476686 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635802 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.333% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -11.667% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671147 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677046 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304679646 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304680596 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.286% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677376 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304678063 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304670838 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304676852 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304666827 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304680589 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 304676907 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304677706 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.443% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304680561 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.495% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 304681728 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304678854 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643183 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304679248 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304678350 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 304667856 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.907% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304673655 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 304679644 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304667960 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304678742 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 304677292 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 36.686% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.686% |  |  |  |  |  |  | N/A |  |  |
| 304679245 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304677320 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304677881 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304668967 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304676068 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304678739 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304682103 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304493909 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304467123 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638629 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643529 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.091% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304640312 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636438 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304687286 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304682016 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304680925 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.019% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304681724 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304681709 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 304632761 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638990 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304483044 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471922 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494384 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.943% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304485270 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.643% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642798 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643496 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304638988 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684583 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304667864 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304679239 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304679637 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304640365 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.949% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304678314 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.216% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304678790 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 304683334 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304681376 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304682088 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304678293 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304681768 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304671329 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.497% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304483545 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -5.028% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685304 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304681125 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304678943 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304682204 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304686292 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304685238 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304665289 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304682121 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304677756 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| 304682081 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 304674454 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304676731 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304679642 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304674456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304678734 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| 304471461 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481206 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481035 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632313 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671127 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.648% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677045 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682671 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671069 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682696 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481191 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.714% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676995 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494195 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682611 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676974 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677016 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677008 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676991 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682702 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676985 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676978 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.333% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682595 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682634 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676992 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676999 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682587 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682581 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682701 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682692 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 23.762% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682656 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676996 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682568 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676979 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677002 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676986 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681613 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677005 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677034 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681503 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682717 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682664 |  |  |  |  |  | 11.940% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510402 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.682% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682706 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677032 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671697 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -8.086% |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304680932 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685319 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.632% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304677363 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304681705 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.627% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.627% |  |  |  |  |  |  | N/A |  |  |
| 304681143 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304684697 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.923% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439957 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.901% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439958 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439945 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439921 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477005 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439904 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439908 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439910 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439866 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.571% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439913 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439929 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439991 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439931 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476937 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471334 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494203 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481064 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481159 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510460 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.242% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635809 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632343 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635702 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684611 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304674599 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.60 |
| 304683344 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304674662 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635027 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304676930 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304684684 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304681377 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.875% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304691222 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304676835 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304685216 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| 304682102 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682196 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304691513 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304676138 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 304677876 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304685308 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304685072 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304685239 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.809% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.809% |  |  |  |  |  |  | N/A |  |  |
| 304685234 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304684698 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304677132 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304683217 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| 304682009 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304467128 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467120 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.091% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304490514 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685299 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304683298 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304678853 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304686690 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 304688316 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304695086 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304688497 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304687180 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 304676848 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.841% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304691487 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304677358 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304686625 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.245% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 304691355 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304498347 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| 304678743 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304688419 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304684692 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304677130 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304685684 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304691216 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304693639 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304677840 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304681165 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304685835 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304691491 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304678851 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.810% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682193 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304691488 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304685227 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304694168 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304681693 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304688319 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304683418 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304694956 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304688368 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304671261 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671213 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677024 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682591 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682497 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682601 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681573 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682588 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681551 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681443 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682542 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681659 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682564 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.692% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682737 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.909% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677109 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682530 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681557 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.333% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671180 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682727 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682726 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682424 |  |  |  |  |  | 13.077% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682725 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682678 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682414 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682434 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681478 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682562 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682728 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.485% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -19.903% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682508 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304699195 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677027 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682485 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693300 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693734 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| 304691465 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304685812 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304685846 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304693632 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304683296 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 |
| 304684682 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 304695759 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 304692018 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304694861 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304691223 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| 304694182 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304693484 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304685246 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304685224 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 304693724 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304678278 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304686656 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304692570 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.70 |
| 304695083 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 304685301 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304691266 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.813% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 304613722 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304637872 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642814 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304671335 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677164 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304665150 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304663283 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643273 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304667833 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304654693 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304665149 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.884% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304665243 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304674475 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304663377 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643235 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304671623 |  |  |  |  |  | 2.158% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Stated |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304654855 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 304685275 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304686287 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304640513 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.762% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642566 |  |  |  |  |  | 0.000% |  |  |  | Stated |  |  |  |  |  |  | 23.867% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 17.667% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643533 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643516 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304666608 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304674641 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.941% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304654709 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304654702 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304510285 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.692% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304661424 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304393227 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304665245 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.772% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684408 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 304688474 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457454 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457448 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.482% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636439 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.503% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304698313 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304694179 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304691219 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.699% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 304698163 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304699518 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 304683309 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304684691 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304692696 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304695810 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304693869 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.019% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 304698162 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304693863 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304695095 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.20 |
| 304681715 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304654806 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -11.200% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304693927 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304702048 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.787% |  |  | AVM |  | 0.14 | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.787% |  |  |  |  |  |  | N/A |  |  |
| 304693846 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 304682014 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.526% |  |  | AVM |  | 0.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.526% |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304700943 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304700644 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304702378 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304692676 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 304699525 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304699533 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304667859 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304694965 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304694973 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.758% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.758% |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 304691544 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304694953 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304704837 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304685825 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304702437 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 304700937 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304695001 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304693402 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304696899 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304692206 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304695074 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304704994 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304693638 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
| 304691214 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304692567 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.458% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304702320 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304681203 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304700147 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.729% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304694966 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304695109 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304705173 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.091% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304687115 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304694164 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304710326 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.500% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| 304702041 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304707166 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304694170 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.50 |
| 304671169 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676994 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681537 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.242% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681535 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.286% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682423 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682492 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.714% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692140 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304687232 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693281 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707275 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.091% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693206 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693368 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.786% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682503 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693339 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695691 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695690 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707278 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707263 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693363 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693233 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707262 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693280 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695645 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682430 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693332 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682446 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693365 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.520% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693199 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693317 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304687222 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693285 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693349 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.818% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693320 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693354 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695735 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707008 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.063% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693208 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693204 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707049 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707012 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695682 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706954 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707114 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682592 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635813 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693261 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707076 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695628 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707022 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706982 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706991 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707045 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706923 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706947 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706996 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692097 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706967 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707067 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706894 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706958 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706975 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706990 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.263% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695722 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706957 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706941 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707005 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708959 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304706977 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707060 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707037 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304708945 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707004 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304674652 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304665241 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304688445 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676098 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692504 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304683275 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692552 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304678346 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304693376 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304687341 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304686286 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.143% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304694014 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304702955 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 304686439 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705510 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 304692621 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642978 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.385% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304663386 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.545% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304640313 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684413 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304664643 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.662% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693561 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693562 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.784% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638621 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.294% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639749 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304691378 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304678071 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639129 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.556% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304691430 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682167 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304688465 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304685721 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304698199 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304707879 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304707878 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692554 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304692556 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304702082 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692555 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304692557 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304684742 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304684739 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692162 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.007% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494200 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677038 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681638 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682527 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.333% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682546 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.639% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681548 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304676987 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682698 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682699 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682654 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681626 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681635 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681631 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682441 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682470 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682486 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304699193 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681625 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682716 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681499 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682522 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682458 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304699191 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677015 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681521 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681657 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682541 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682538 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.604% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693358 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.381% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682479 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682450 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693331 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304699192 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693230 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681505 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682516 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.955% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693288 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693336 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693271 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692112 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693294 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692152 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682462 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693315 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693273 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304677003 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693329 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.435% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695708 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693270 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693266 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692121 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304692119 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693291 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693268 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693352 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693351 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304695732 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.660% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693274 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304682454 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681515 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304681586 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304693195 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2025-NQM3**

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

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 24 loans (the "Loans") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2025-NQM3 transaction. The Loans referenced in this narrative report were reviewed in between 05/2024 to 05/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$423000.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$840000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;22 | &nbsp;&nbsp;91.67% | &nbsp;&nbsp;$15904385.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17167385.00** |

---

The Review consisted of a population of 24 Loans, with an aggregate principal balance of $17,167,385.00.

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

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

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

**LOAN SAMPLING**

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

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Interest Rate Maximum |
| &nbsp;&nbsp;ARM Initial Interest Rate Minimum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Maximum |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Rate Index Type |
| &nbsp;&nbsp;ARM Rounding Method |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Origination Equifax |

---

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| |
|:---|
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination FICO |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Condo Rider |
| &nbsp;&nbsp;Family Rider 1-4 |
| &nbsp;&nbsp;First Interest Rate Change Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Late Charge Grace Period |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Originator Name |
| &nbsp;&nbsp;Loan Originator NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |

---

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| |
|:---|
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Other Rider |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;PUD Rider |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

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– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

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– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social
 Security inconsistencies

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

– Occupancy

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

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

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

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**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 14

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

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![](ex996001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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![](ex996001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** | &nbsp;&nbsp;**Final Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** |

---

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$423000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;$16744385.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17167385.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;13 | &nbsp;&nbsp;54.17% | &nbsp;&nbsp;$9018941.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;11 | &nbsp;&nbsp;45.83% | &nbsp;&nbsp;$8148444.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17167385.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;7 | &nbsp;&nbsp;29.17% | &nbsp;&nbsp;$7906500.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;17 | &nbsp;&nbsp;70.83% | &nbsp;&nbsp;$9260885.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17167385.00** |

---

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**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17167385.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17167385.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$1090000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;$16077385.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17167385.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;ARM Initial Interest Rate Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Minimum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Rate Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Rounding Method | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 19

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;22 | &nbsp;&nbsp;81.82% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Condo Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Family Rider 1-4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Late Charge Grace Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Originator Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Originator NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;22 | &nbsp;&nbsp;95.45% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;22 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Other Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 20

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;21 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;19 | &nbsp;&nbsp;68.42% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;PUD Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;22 | &nbsp;&nbsp;77.27% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 21

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**Disclaimer**

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

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

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

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report – PagE \| 22

## Exhibit 99.7

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304381147 | XXXX | First Payment Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304381147 | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Audit value per appraisal. |
| XXXX | XXXX | 304381157 | XXXX | Loan Originator Name | notePage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304381157 | XXXX | ARM Lifetime Interest Rate Minimum | notePage | 4 | 6.625 | Per Note |
| XXXX | XXXX | 304381157 | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.47 | 34.89 | Audit DTI is within 2% of 1008- tape data unknown. |
| XXXX | XXXX | 304381157 | XXXX | ARM Initial Interest Rate Minimum | notePage | 6.625 | 4 | Per Note |
| XXXX | XXXX | 304381157 | XXXX | ARM Initial Interest Rate Maximum | notePage | 10.625 | 13.625 | Per Note |
| XXXX | XXXX | 304381157 | XXXX | ARM Lifetime Interest Rate Maximum | notePage | 13.625 | 10.625 | Per Note |
| XXXX | XXXX | 304474145 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304474159 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304474159 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal. Tape reflects sales price. |
| XXXX | XXXX | 304474159 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.31 | 36.54 | Variance as audit calculated lower REO loss |
| XXXX | XXXX | 304474140 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Meets full condo review/guidelines. |
| XXXX | XXXX | 304474171 | XXXX | Note Date | notePage | XXXX | XXXX | Per note in file |
| XXXX | XXXX | 304474171 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 304474171 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 59.90 | DSCR- there is no DTI Ratio |
| XXXX | XXXX | 304495267 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 532.82 | No income loan |
| XXXX | XXXX | 304495267 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.331 | 1.34 | Audit used slightly higher H06 amount as shown on policy. |
| XXXX | XXXX | 304485175 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304485175 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304702230 | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | XXXX | 304702230 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | As per approval |
| XXXX | XXXX | 304702234 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 304702233 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702233 | XXXX | Number of Units | propertyValuationPage | 6 | 4 | Per appraisal |
| XXXX | XXXX | 304702233 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304702233 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.473 | 1.27 | Per calc based on market rents - mgmt fees, per guides. |
| XXXX | XXXX | 304702213 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304702213 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304702213 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 7426.04 | DSCR Loan |
| XXXX | XXXX | 304702213 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304702211 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702211 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.75 | 41.33 | Lender used initial rate to qualify |
| XXXX | XXXX | 304702197 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per Appraisal |
| XXXX | XXXX | 304702197 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 304702179 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304702179 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 304702179 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per Appraisal |
| XXXX | XXXX | 304702202 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702137 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702137 | XXXX | HOA Flag | propertyValuationPage | No | Y | No HOA per appraisal. |
| XXXX | XXXX | 304702137 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | A Non-Permanent Resident with an ITIN is a FN. |
| XXXX | XXXX | 304702193 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702193 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304702132 | XXXX | Maturity Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304702132 | XXXX | First Payment Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304702132 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304702127 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702127 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Non Permanent Resident Alien | NonPermanentResidentAlien | Borrower is an ITIN |
| XXXX | XXXX | 304702127 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Non Permanent Resident Alien | NonPermanentResidentAlien | Borrower is an ITIN |
| XXXX | XXXX | 304702128 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702133 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304702133 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |

---

## Exhibit 99.8

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 304381147 D A | Closed | FCRE1202 | 2024-05-13 15:32 | 2025-06-27 16:22 | Resolved | 1 - Information B A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/21/2024 <br> Open-Third Party Fraud Report Partially Provided All 3rd parties were not checked with Exclusionary/OFAC Lists. However, Borrower and Seller are present. - Due Diligence Vendor-05/13/2024 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/21/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 40.62 months reserves and 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1680066 |
| XXXX | XXXX | 304381147 D A | Closed | FCRE1241 | 2024-05-13 15:13 | 2024-05-15 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase contract provided. - Due Diligence Vendor-05/15/2024 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. File included copy of addendum only. Audit took purchase price from 1008. EMD and seller credit taken from CD. - Due Diligence Vendor-05/13/2024 |  | Resolved-Purchase contract provided. - Due Diligence Vendor-05/15/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 40.62 months reserves and 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1679980 |
| XXXX | XXXX | 304381147 D A | Closed | FCOM2630 | 2024-05-10 13:57 | 2024-05-15 10:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Received Attorney Preference Doc. - Due Diligence Vendor-05/15/2024 <br>Open-Right To Choose Attorney or Attorney Preference Not In File -----Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-05/10/2024 |  | Resolved-Received Attorney Preference Doc. - Due Diligence Vendor-05/15/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 40.62 months reserves and 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1673501 |
| XXXX | XXXX | 304381147 D A | Closed | finding-3634 | 2024-05-10 14:08 | 2024-05-13 17:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $5 (Appraisal fee) without a valid COC in file. Lender credit of $5.00 for increase in closing costs above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-05/13/2024 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $5.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $5 (Appraisal fee) without a valid COC in file. Lender credit of $5.00 for increase in closing costs above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-05/10/2024 |  | Resolved-Zero (0%) tolerance fees increased by $5 (Appraisal fee) without a valid COC in file. Lender credit of $5.00 for increase in closing costs above legal limit is on final CD. Finding resolved. - Due Diligence Vendor-05/13/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 FICO exceeds 700 minimum required.<br>Months Reserves exceed minimum required - 40.62 months reserves and 6 months required. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1673556 |
| XXXX | XXXX | 304381157 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304443509 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304474145 D A B | Closed | FCRE1316 | 2024-12-19 11:37 | 2025-01-02 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received dated secretary of state internet search - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. Please see attached search, completed today (12/30), supporting business is still active and in good standing. - Seller-12/31/2024 <br> Counter-Copy of State Website provided, however it is not dated. Finding remains. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please see attached search from the State Website showing the business is active and n good standing - Seller-12/23/2024 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide CPA letter or VVOE for S/E w/in 10 days of Note date - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Please see attached search, completed today (XXXX), supporting business is still active and in good standing. - Seller-12/31/2024 <br> Ready for Review-Document Uploaded. Please see attached search from the State Website showing the business is active and n good standing - Seller-12/23/2024 | Resolved-Received dated secretary of state internet search - Due Diligence Vendor-01/02/2025<br>| Months Reserves exceed minimum required - Min reserve requirement is 6 months, borrower has 11.42 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrower has a a 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3044598 |
| XXXX | XXXX | 304474145 D A B | Closed | finding-3634 | 2024-12-17 14:53 | 2024-12-24 07:47 | Resolved | 1 - Information B A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. - Due Diligence Vendor-12/24/2024 <br> Ready for Review-Document Uploaded. We kindly disagree with this finding. Please note that the broker used an outside AMC to complete the appraisal order and did not use Closing Corp. The invoice is dated XXXX and we redisclosed 12/3 which was within the 3 business days required since 11/28 was a holiday and Saturday does not count as a business day. <br> - Seller-12/23/2024 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $110.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ---- Zero (0%) tolerance fees increased by $110.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $110.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX<br> - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. We kindly disagree with this finding. Please note that the broker used an outside AMC to complete the appraisal order and did not use Closing Corp. The invoice is dated XXXX and we redisclosed XXXX which was within the 3 business days required since XXXX was a holiday and Saturday does not count as a business day. <br> - Seller-12/23/2024 | Resolved-Rec'd COC. - Due Diligence Vendor-12/24/2024<br>| Months Reserves exceed minimum required - Min reserve requirement is 6 months, borrower has 11.42 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrower has a a 754 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3026074 |
| XXXX | XXXX | 304474159 C A | Closed | finding-3634 | 2024-12-18 13:11 | 2024-12-20 09:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $60.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $60.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Finding resolved as there is a $60.00 lender credit on the Final CD. - Due Diligence Vendor-12/20/2024 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $60.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/20/2024 |  | Resolved------Zero (0%) tolerance fees increased by $60.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $60.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Finding resolved as there is a $60.00 lender credit on the Final CD. - Due Diligence Vendor-12/20/2024 | Qualifying DTI below maximum allowed - 34.31% < 50%<br>Months Reserves exceed minimum required - 13 months > 3 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3034742 |
| XXXX | XXXX | 304474140 D A | Closed | FCOM6472 | 2024-12-20 13:56 | 2024-12-26 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note data | Resolved-Received Note. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please see a copy of the Note showing P&I of XXXX. - Seller-12/23/2024 <br> Open-True Data reads P&I XXXX, the Tape & Note read P&I as XXXX. - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. Please see a copy of the Note showing P&I of XXXX. - Seller-12/23/2024 | Resolved-Received Note. - Due Diligence Vendor-12/26/2024<br>| Months Reserves exceed minimum required - Required reserves 3 mths- Borrower has 12.38- 3 mths= 9.38 mths<br>Qualifying FICO score is at least 20 points above minimum for program - Required 740- Borrower has 797 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3057541 |
| XXXX | XXXX | 304474139 D A | Closed | FPRO1253 | 2024-12-23 09:37 | 2024-12-26 18:10 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Loan file contains 2 SSR's with CU score of XXXX and an LCA score XXXX which meet lenders requirments. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Document Uploaded. Please note that per section 8.4 of the XXXX Guide; a Desk Review is required if the SSR comes back with a Score >2.5. Attached SSR's from the file showing a score of XXXX (LCA) and XXXX (CU) - Seller-12/24/2024 <br> Open-Per Matrix- Need Appraisal + CDA- need CDA. - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. Please note that per section 8.4 of the XXXX Guide; a Desk Review is required if the SSR comes back with a Score >2.5. Attached SSR's from the file showing a score of XXXX (LCA) and XXXX (CU) - Seller-12/24/2024 | Resolved-Loan file contains 2 SSR's with CU score of XXXX and an LCA score XXXX which meet lenders requirments. - Due Diligence Vendor-12/26/2024 | Qualifying FICO score is at least 20 points above minimum for program - Guideline FICO 660- Borrower's FICO 797<br>Qualifying DTI below maximum allowed - Max DTI 50%- DTI is 40.53% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3066122 |
| XXXX | XXXX | 304474171 C A | Closed | FCRE1441 | 2024-12-26 08:19 | 2025-04-02 16:48 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-proof provided, both Citi and Affirm brough current. - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/23/2025 <br> Ready for Review-Document Uploaded. - Seller-01/23/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Provide proof that the past due accounts with XXXX for XXXX &XXXX for XXXX have been brought current, per guidelines. - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/23/2025 <br>Ready for Review-Document Uploaded. - Seller-01/23/2025<br>| Resolved-proof provided, both XXXX and XXXX brough current. - Due Diligence Vendor-01/23/2025 | Months Reserves exceed minimum required - Required reserves 3 mths- Borrower had 8.03 mths- 3 mths req'd= 5.03 mths after reserve req met<br>DSCR % greater than 1.20 - Required DSCR .75%- Borrower's DSCR Ratio is 1.51%- exceeding the 1.20% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3082729 |
| XXXX | XXXX | 304495267 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304485175 C A | Closed | FCRE9996 | 2025-01-30 13:49 | 2025-02-20 14:45 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received acceptable Milestone inspection dated within 10 years. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2025 <br> Counter-Attached CD is does not support finding requirement. Missing proof of Milestone Structural Inspection. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a $165 charge for a Lock Extension. - Seller-02/06/2025 <br> Open- Missing proof of Milestone Structural Inspection, required in FL - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2025 <br>Ready for Review-Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a $165 charge for a Lock Extension. - Seller-02/06/2025<br>| Resolved-Received acceptable Milestone inspection dated within 10 years. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3319211 |
| XXXX | XXXX | 304485175 C A | Closed | FPRO9999 | 2025-01-30 09:50 | 2025-02-11 06:55 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received the letter from the HOA Association supporting that the litigation will not affect the marketability of the project units and that the insurance carrier has agreed to conduct defense and the HOA insurance policy is sufficient to cover the litigation expense. - Due Diligence Vendor-06/20/2025 <br> Ready for Review-Please note that guidelines do not require verification of both, that the Insurance is handling the claim and the dollar amount of the claim. Per Guidelines; Pending litigation can be cleared with a Letter confirming the Insurance Company is handling the claim; or, documentation verifying the amount of the claim and confirmation the HOI contains sufficient coverage to cover the claim. We note that the Letter in file, supporting that the HOI company is handling the claim is sufficient to clear this condition. - Seller-02/07/2025 <br> Open-Condo is currently in litigation per questionnaire. Per Condo letter provided, litigation is for a pending claim for a burn from a gas grill and is being managed by the Associations Insurance. Letter states the HOA insurance is sufficient to ensure that the case will not have an adverse effect upon it's financial condition. Missing evidence of the dollar amount being pursued by plaintiff. Additional conditions may apply. - Due Diligence Vendor-01/30/2025 | Ready for Review-Please note that guidelines do not require verification of both, that the Insurance is handling the claim and the dollar amount of the claim. Per Guidelines; Pending litigation can be cleared with a Letter confirming the Insurance Company is handling the claim; or, documentation verifying the amount of the claim and confirmation the HOI contains sufficient coverage to cover the claim. We note that the Letter in file, supporting that the HOI company is handling the claim is sufficient to clear this condition. - Seller-02/07/2025<br>| Resolved-Received the letter from the HOA Association supporting that the litigation will not affect the marketability of the project units and that the insurance carrier has agreed to conduct defense and the HOA insurance policy is sufficient to cover the litigation expense. - Due Diligence Vendor-06/20/2025<br>| LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3315592 |
| XXXX | XXXX | 304485175 C A | Closed | finding-3652 | 2025-01-28 12:26 | 2025-02-07 07:21 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC 12/27/2024, finding resolved. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a $165 charge for a Lock Extension - Seller-02/06/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $6.60 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $6.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached CD which shows a CIC. The 6.60 LC was eliminated due to a $165 charge for a Lock Extension - Seller-02/06/2025<br>| Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-02/07/2025 | LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3297829 |
| XXXX | XXXX | 304485175 C A | Closed | FCRE5790 | 2025-01-30 09:03 | 2025-02-06 17:15 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Drive report w/UDM. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. Please see attached DV pulled 01/22 showing there were no significant changes to the borrower's credit that would impact the credit decision - Seller-02/04/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 23 days old - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please see attached DV pulled XXXX showing there were no significant changes to the borrower's credit that would impact the credit decision - Seller-02/04/2025 | Resolved-Received Drive report w/UDM. - Due Diligence Vendor-02/06/2025<br>| LTV is less than guideline maximum - Lender max LTV is 75%, subject LTV is 46.81%.<br>Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 20.11% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3315071 |
| XXXX | XXXX | 304702230 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304702234 D A | Closed | FCRE1158 | 2025-03-28 10:10 | 2025-03-31 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received invoice confirming annual HOI. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Please see attached HOI and its invoice for the amount of $6616.36. - Seller-03/28/2025 <br> Ready for Review-Please see attached HOI and the invoice totaling XXXX. - Seller-03/28/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Pre HOI Dec page Premium of XXXX - Lender collected XXXX - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. Please see attached HOI and its invoice for the amount of XXXX. - Seller-03/28/2025 <br> Ready for Review-Please see attached HOI and the invoice totaling XXXX. - Seller-03/28/2025 | Resolved-Received invoice confirming annual HOI. - Due Diligence Vendor-03/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 763; guidelines require 700. <br>DSCR % greater than 1.20 - DSCR 1.381. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3718421 |
| XXXX | XXXX | 304702233 B A | Closed | FCRE1200 | 2025-03-31 13:30 | 2025-03-31 15:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Loan exception request / approval provided.<br> Originator Waiver applied with comp factors.<br> Deemed non-material.<br> Loan amount of XXXX is less than the minimum required of XXXX. - Due Diligence Vendor-03/31/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Lender Exception Granted: Lender allowed a loan amount < XXXX minimum on a 5-8 Multi Unit Residential property. - Due Diligence Vendor-03/31/2025 |  | Waived-Loan exception request / approval provided.<br> Originator Waiver applied with comp factors.<br> Deemed non-material.<br> Loan amount of XXXX is less than the minimum required ofXXXX. - Due Diligence Vendor-03/31/2025 | On time mortgage history exceeds guideline requirement - 24m+ mortgage history exceeds guidelines requirement of 12m.<br>Credit history exceeds minimum required - 24m+ credit history exceeded minimum required (12m). | 1. 24m+ credit history exceeds minimum required<br> 2. 24m+ Mortgage history exceeds guidelines requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 3732471 |
| XXXX | XXXX | 304702213 C B A | Closed | FCRE1232 | 2025-04-17 17:36 | 2025-04-18 06:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial less than .1 for requirement. - Due Diligence Vendor-04/18/2025 <br>Open-The Calculated DSCR of '1.006' is less than the minimum DSCR per lender guidelines of '1.1'. Lender exception granted for 75% LTV with a DSCR of 1.0, guidelines require max LTV of 70% with minimum DSCR of 1.10. - Due Diligence Vendor-04/17/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial less than .1 for requirement. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6 months PITIA, borrower reserves 135 months .<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 800. | Qualifying FICO 20 points above minimum for program.<br> Reserves 3+ months above minimum required.<br> XXXX on time mortgage history. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3895683 |
| XXXX | XXXX | 304702213 C B A | Closed | FCRE1194 | 2025-04-17 17:45 | 2025-04-18 06:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial 5% LTV exception. - Due Diligence Vendor-04/18/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender approved exception in file to allow 75% LTV; per guides max LTV is 70% - Due Diligence Vendor-04/18/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed immaterial 5% LTV exception. - Due Diligence Vendor-04/18/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6 months PITIA, borrower reserves 135 months .<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 800. | Qualifying FICO 20 points above minimum for program.<br> Reserves 3+ months above minimum required.<br> XXXX on time mortgage history. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3895780 |
| XXXX | XXXX | 304702211 C A | Closed | FCRE1506 | 2025-04-21 06:35 | 2025-05-08 15:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received documentation to support < 10 payments - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003/1008 which have been updated to reflect the Fully Ammortized PITIA. In addition, a copy of the Credit Supplement for the AchievePL installment debt has been provided, which shows there was less than 10 payments left. We ask that this condition be cleared. - Seller-05/07/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Subject loan is I/O Fixed audit used Start Rate at Fully Amortized Payment for qualifying payment. Lender 1008 qualifying payment reflects the Notes interest rate. Additionally, lender 1008 appears to have excluded installment debt on the credit report with monthly payment of XXXX without supporting documentation to excluded. Additional conditions may apply. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Please see attached 1003/1008 which have been updated to reflect the Fully Ammortized PITIA. In addition, a copy of the Credit Supplement for the XXXX installment debt has been provided, which shows there was less than 10 payments left. We ask that this condition be cleared. - Seller-05/07/2025 | Resolved-Received documentation to support < 10 payments - Due Diligence Vendor-05/08/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 730 and minimum allowed is 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3911967 |
| XXXX | XXXX | 304702211 C A | Closed | FCRE1193 | 2025-04-21 06:37 | 2025-05-08 15:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received documentation to support < 10 payments. Audited DTI of 48.75% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/08/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003/1008 which have been updated to reflect the Fully Ammortized PITIA. In addition, a copy of the Credit Supplement for the XXXX installment debt has been provided, which shows there was less than 10 payments left. We ask that this condition be cleared. - Seller-05/07/2025 <br> Open-Audited DTI of 52.82% exceeds Guideline DTI of 50% Subject loan is I/O Fixed audit used Start Rate at Fully Amortized Payment for qualifying payment. Lender 1008 qualifying payment reflects the Notes interest rate. Additionally, lender 1008 appears to have excluded installment debt on the credit report with monthly payment of XXXX without supporting documentation to excluded. Additional conditions may apply. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. Please see attached 1003/1008 which have been updated to reflect the Fully Ammortized PITIA. In addition, a copy of the Credit Supplement for the AchievePL installment debt has been provided, which shows there was less than 10 payments left. We ask that this condition be cleared. - Seller-05/07/2025 | Resolved-Received documentation to support < 10 payments. Audited DTI of 48.75% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/08/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 730 and minimum allowed is 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3911979 |
| XXXX | XXXX | 304702211 C A | Closed | finding-3540 | 2025-04-15 16:17 | 2025-04-29 14:24 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Rec'd COCs. Finding Resolved. - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Please see attached documents sent to the borrower with the CIC's included. - Seller-04/29/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Please see attached documents sent to the borrower with the CIC's included. - Seller-04/29/2025<br>| Resolved-Rec'd COCs. Finding Resolved. - Due Diligence Vendor-04/29/2025<br>| LTV is less than guideline maximum - LTV is 70% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 730 and minimum allowed is 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3872196 |
| XXXX | XXXX | 304702197 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304702179 C A | Closed | FPRO0011 | 2025-04-30 08:27 | 2025-05-05 15:00 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Upon further review, the last inspection date was XXXX and the declared end date was XXXX. Guidelines do not require a comment from the Appraiser. - Due Diligence Vendor-05/05/2025 <br> Ready for Review-Document Uploaded. Please note the appraisal was completed more than 30 days post the disaster end date. Pursuant to the attached XXXX XXXX, no additional comments were required. - Seller-05/01/2025 <br> Open-Appraiser to comment on status of property after the event. - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. Please note the appraisal was completed more than 30 days post the disaster end date. Pursuant to the attached XXXX XXXX Disaster Policy, no additional comments were required. - Seller-05/01/2025 | Resolved-Upon further review, the last inspection date was XXXX and the declared end date was XXXX. Guidelines do not require a comment from the Appraiser. - Due Diligence Vendor-05/05/2025 | Months Reserves exceed minimum required - Min reserves 6 mths- Borrower's reserves 36.81 mths <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 29% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4001824 |
| XXXX | XXXX | 304702202 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304702137 C B A | Closed | FCRE8201 | 2025-04-30 10:54 | 2025-04-30 14:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/30/2025 <br> Open-Lender Exception Granted: Approved to waive XXXX Overlay / Minimum 2 months business bank statements with total allowed income to be at least 65% of average gross P&L income. - Due Diligence Vendor-04/30/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/30/2025<br>| Verified employment history exceeds guidelines - Borrower employment history verified for 5 years, with CTEC letter.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 25.71%. | 1. DTI 5% below max.<br> 2. 4+ years Verified employment history exceeds guidelines.<br> 3. XXXX on job. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 4003843 |
| XXXX | XXXX | 304702193 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304702132 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304702127 D A | Closed | FCRE6019 | 2025-05-06 17:45 | 2025-05-21 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the guidelines do not require the country of origin or passport. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-We respectfully disagree. The guidelines do not require the passports since the loan file included the an Unexpired Government Photo ID for both borrowers. Per Non-QM guidelines, section 2.1 Eligible Borrowers> ITIN (Individual Tax Identification Number) <br> o A Non-Permanent Resident Alien without an SSN can qualify using ITIN (Individual Taxpayer Identification Number)<br> o The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID (i.e. Driver's license, International Passport, etc.) - Seller-05/08/2025 <br>Open-Borrower Citizenship Documentation Is Missing Provide missing Passport for both borrowers due to using ITINs. - Due Diligence Vendor-05/07/2025 | Ready for Review-We respectfully disagree. The guidelines do not require the passports since the loan file included the an Unexpired Government Photo ID for both borrowers. Per Non-QM guidelines, section 2.1 Eligible Borrowers> ITIN (Individual Tax Identification Number) <br> o A Non-Permanent Resident Alien without an SSN can qualify using ITIN (Individual Taxpayer Identification Number)<br> o The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID (i.e. Driver's license, International Passport, etc.) - Seller-05/08/2025<br>| Resolved-After further review, the guidelines do not require the country of origin or passport. - Due Diligence Vendor-05/21/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 33.73m.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 620, borrower FICO 803. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4063426 |
| XXXX | XXXX | 304702128 D A | Closed | FCRE9549 | 2025-05-08 11:58 | 2025-05-16 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Credit Report Supplement | Resolved-Received Statement and Payoff Letter. - Due Diligence Vendor-05/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025 <br> Open-Provide proof of the XXXX monthly payment and balance. - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/14/2025<br>| Resolved-Received Statement and Payoff Letter. - Due Diligence Vendor-05/16/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 12.89 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 745<br>Qualifying DTI below maximum allowed - 38.69% DTI < 50% maximum allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4082789 |
| XXXX | XXXX | 304702133 C A | Closed | FCRE1194 | 2025-05-09 07:52 | 2025-05-15 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received the correct guidelines used for qualification. Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Please see attached Matrix. Maximum LTV allowed loan amounts XXX is 85%. - Seller-05/12/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Provide exception for LTV over 80% for loan amounts XXXX. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Please see attached Matrix. Maximum LTV allowed loan amounts XXXX- XXXX is 85%. - Seller-05/12/2025 | Resolved-Received the correct guidelines used for qualification. Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-05/15/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 33.9%<br>Months Reserves exceed minimum required - Min req'd reserves 9 months- Borrower has 12.16 month sin reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4091908 |
| XXXX | XXXX | 304702133 C A | Closed | FCRE1481 | 2025-05-09 07:43 | 2025-05-13 14:42 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received gift letter. - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/12/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Provide Gift Letter for XXX. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-05/12/2025<br>| Resolved-Received gift letter. - Due Diligence Vendor-05/13/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 33.9%<br>Months Reserves exceed minimum required - Min req'd reserves 9 months- Borrower has 12.16 month sin reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 4091847 |

---

## Exhibit 99.9

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304381147 | XXXX D A |
| XXXX | XXXX | 304381157 | XXXX A |
| XXXX | XXXX | 304443509 | XXXX A |
| XXXX | XXXX | 304474145 | XXXX D B A |
| XXXX | XXXX | 304474159 | XXXX A C |
| XXXX | XXXX | 304474140 | XXXX A D |
| XXXX | XXXX | 304474139 | XXXX A D |
| XXXX | XXXX | 304474171 | XXXX C A |
| XXXX | XXXX | 304495267 | XXXX A |
| XXXX | XXXX | 304485175 | XXXX C A |
| XXXX | XXXX | 304702230 | XXXX A |
| XXXX | XXXX | 304702234 | XXXX D A |
| XXXX | XXXX | 304702233 | XXXX B A |
| XXXX | XXXX | 304702213 | XXXX C A B |
| XXXX | XXXX | 304702211 | XXXX C A |
| XXXX | XXXX | 304702197 | XXXX A |
| XXXX | XXXX | 304702179 | XXXX A C |
| XXXX | XXXX | 304702202 | XXXX A |
| XXXX | XXXX | 304702137 | XXXX C A B |
| XXXX | XXXX | 304702193 | XXXX A |
| XXXX | XXXX | 304702132 | XXXX A |
| XXXX | XXXX | 304702127 | XXXX D A |
| XXXX | XXXX | 304702128 | XXXX D A |
| XXXX | XXXX | 304702133 | XXXX C A |

---

## Exhibit 99.10

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304381147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 304381157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | XXXX | 304443509 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304474145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | XXXX | 304474159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 304474140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304474139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | XXXX | 304474171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.89 | 58.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304495267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 304485175 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 46.81 | 46.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | XXXX | 304702230 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 73.88 | 73.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702234 | XXXX | XXXX |  | XXXX | XXXX | XXXX | Other | XXXX | 59.65 | 59.65 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0135 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0135 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 75.0 | 75.0 | XXXX | XXXX | .6327 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .6327 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702211 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304702197 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1030 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1030 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702179 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.43 | 69.43 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304702202 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.7 | 61.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304702137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304702193 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304702132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 28.83 | 28.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304702127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304702128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304702133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.11**

![](ex9911001.jpg)

**July 09, 2025**<br> **Due Diligence Narrative Report** <br>

![](ex9911002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 8 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 8 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **11** |
| **Appendix A: Credit Review Scope** | **12** |
| **Appendix B: Origination Appraisal Assessment** | **15** |
| **Appendix C: Regulatory Compliance Review Scope** | **18** |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 1 July 09, 2025

![](ex9911002.jpg)

**Clayton Contact Information**

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9911003.jpg) | **Chris Turk** | Senior Client Service Director |
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u> |

---

---

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

---

**Overview**

On behalf of JPMorgan Chase Bank, National Association ("JPMCB"), Clayton conducted an independent third-party pre-securitization due diligence review of 8 residential loans. The due diligence for JPMCB took place in April 2021.

JPMCB. subsequently selected these loans for the JPMMT 2025-NQM3 transaction.

This narrative report provides information about 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 | 2 | 25.00% |
| Retail | 6 | 75.00% |
| **Total** | **8** | **100.00%** |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 2 July 09, 2025

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

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

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp;***Loan Count***<br>***Reviewed by<br> Clayton*** <br>| ***Scope Applied*** |
| **Full Review** | 8 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan <br> Population** | &nbsp;&nbsp;8<br>|  |

---

Sponsor Acquisition Criteria

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

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 3 July 09, 2025

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TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 4 July 09, 2025

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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;■ Original
 Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value
 Supported Analysis (8 loans)

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

For loans reviewed:

○ 7 loans had a AVM that showed supported value

○ 1 loan had a Desk Review Ordered that showed supported value.

For further detail please refer to the JPMMT 2025-NQM3 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>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions;

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 5 July 09, 2025

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

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

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

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

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

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

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 6 July 09, 2025

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payment

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 7 July 09, 2025

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Data Capture

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

Data Integrity

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

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

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

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

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

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

**Data Compare Results**

Clayton provided J.P. Morgan Mortgage Acquisition Corp. with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;DTI Qualifying (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;87.50% |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 8 July 09, 2025

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**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 (8 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** |  |  |  | 8 | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **0** | **0** | **8** | **8** |

---

**Initial and Final Overall Loan Grade Results (S&P)**

<u>Loan Pool (8 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** |  |  |  | 8 | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **0** | **0** | **8** | **8** |

---

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** | 6 |  |  | 2 | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **6** | **0** | **0** | **2** | **8** |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 9 July 09, 2025

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**<u>Initial and Final Credit Component Grade Results (S&P)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 6 |  |  | 2 | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **6** | **0** | **0** | **2** | **8** |

---

**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** |  |  |  | 8 | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **0** | **0** | **8** | **8** |

---

**Initial and Final Property Valuation Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** |  |  |  | 8 | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **0** | **0** | **0** | **8** | **8** |

---

**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** | 8 |  |  |  | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **8** | **0** | **0** | **0** | **8** |

---

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 10 July 09, 2025

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**Initial and Final Regulatory Compliance Grade Results (S&P)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 8 |  |  |  | **8** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **8** | **0** | **0** | **0** | **8** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF
 Upload Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation
 Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan
 Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived
 Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E
 Form

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 11 July 09, 2025

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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:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

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

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Financial
 statements

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 12 July 09, 2025

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Award
 letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Settlements
 statements

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Fee
 simple

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

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– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

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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:

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

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location
 map

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

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

○ USPAP

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

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

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

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing
 time

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

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○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

F. Disclaimer

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

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

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

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

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

G. Desk
 Review definitions

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

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

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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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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

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

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

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

● Accuracy of the Aggregate Adjustment amount.

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

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

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

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

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

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

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

---

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

---

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |

---

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---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

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

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

---

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

---

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

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 22 July 09, 2025

![](ex9911002.jpg)

lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

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

---

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

**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.)

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 23 July 09, 2025

![](ex9911002.jpg)

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

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

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

JPMMT 2025-NQM3 Due Diligence Narrative Report Page \| 24 July 09, 2025

## Exhibit 99.12

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *8* | *8* | *8* |  |  |
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 302475094 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 302475094 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302475094 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 302475094 | XXXXXX | XXXXXX | Property Type | Attached PUD | Detached PUD |
| 302488697 | XXXXXX | XXXXXX | DTI Qualifying (Back) | 25.9800 | 33.2400 |
| 302488697 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302546382 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| 302546382 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302546382 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| 302546375 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302546346 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302566159 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302566135 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 302566124 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.13

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.13**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 302475094 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing desk review, file has no CU score due to Exterior only appraisal used | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXXXXX , as a XXXX for the past XXXX years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers has owned current residence for the past XXXX years. |
| 302488697 | XXXXXX | XXXXXX HI | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation to support original appraised value. CU score not available. | 6-4-21: Client responded with desk review supporting appraised value. | 6-4-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 credit score. Minimum required is 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.24% below maximum allowed of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower employed at current job XXXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history 0x30 XXXX; maximum required 12mos |
| 302546382 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Credit | Income/Employment | Satisfied D | CRDINC2408 | Income verification does not meet guidelines | No | Missing W2s for the most recent XXXX. File has XXXX W2 for Borrower 1. Provide XXXX W2 or W2 transcript. | 5.6.21 - Client responded. The TWN report dated XXXX reflecting the borrower's ytd, XXXX and XXXX income history found in file | 5.6.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.11% LTV; max 80% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qual score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXXX years in the same profession |
| 302546382 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value. | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 33.11% LTV; max 80% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qual score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXXX years in the same profession |
| 302546375 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation to support property tax of XXXX/month for primary residence XXXXXX | 5.7.21 - Client responded. The property profile for the primary residence reflecting XXXX tax info found in file | 5.7.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.08% LTV; max 80% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qual score; minimum 660 required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXXX years in the same profession |
| 302546375 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Credit | Income/Employment | Satisfied | CRDINC2488 | Verbal verification of employment missing | No | Missing VVOE within 10 business days of the note date. | 5.7.21 - Client responded. VVOE provided. | 5.7.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.08% LTV; max 80% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qual score; minimum 660 required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXXX years in the same profession |
| 302546375 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Credit | Income/Employment | Satisfied D | CRDINC2408 | Income verification does not meet guidelines | No | AUS (Day 1) validated borrower's income of XXXX/month using The Work Number VOE XXXX. File is missing VOE/VOI to support this income. | 5.7.21 - Client responded. WVOE provided supporting income. | 5.7.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.08% LTV; max 80% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qual score; minimum 660 required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXXX years in the same profession |
| 302546375 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value; CU Score not provided. | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.08% LTV; max 80% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 qual score; minimum 660 required<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXXX years in the same profession |
| 302546346 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.62% < guideline max of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of XXXX are greater than reserves required of XXXX |
| 302566159 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 22.671% < guideline max 80%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has stable employment as a XXXX for the past XXXX years. |
| 302566135 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support original Appraised Value. | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower's have significant time at current residence with XXXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 815 with a minimum credit score of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements at 21% with a max LTV of 80%. |
| 302566124 | XXXXXX | XXXXXX CA | (No Data) | ATR/QM: Exempt D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. | 5-28-21: AVM provided. | 5-28-21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 59% < guideline max 80%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has stable employment as a XXXX with XXXXXX for the past XXXX years. |

---

## Exhibit 99.14

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.14**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 302475094 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |
| 302488697 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |
| 302546382 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |
| 302546375 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |
| 302546346 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |
| 302566159 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 302566135 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |
| 302566124 | XXXXXX | N/A | XXXXXX | XXXXXX D | Not Applicable |

---

## Exhibit 99.15

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *8* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |  |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** | **Valuation Comments** |
| 302475094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.47% | XXXXXX | 6.500 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302488697 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302546382 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.12% | XXXXXX | 6.100 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302546375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 4.60% | XXXXXX | 6.200 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302546346 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 7.64% | XXXXXX | 5.700 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302566159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.39% | XXXXXX | 5.800 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302566135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 12.48% | XXXXXX | 11.200 | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 302566124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.87% | XXXXXX | 6.300 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.16**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association ("Client"), through a bulk purchase. The review included a total of five hundred thirty-seven (537) residential mortgage loans, in connection with the securitization identified as JPMMT 2025-NQM3 (the "Securitization"). The Review was conducted from March 2024 through May 2025 on mortgage loans originated between March 2024 and May 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance;

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards;

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves;

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport);

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required;

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value;

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity;

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation;

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file;

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been given signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties;

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents;

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution;

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan;

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied;

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position;

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property;

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale;

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines;

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards;

○ **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, calculate the debt-service coverage ratio to ensure it meets minimum guideline standards;

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements;

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines;

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. For Business Purpose and Investment loans, verify the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the subject property is being used for non-business purposes;

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines;

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood zone, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations;

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions;

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question;

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported;

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance

Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

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

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

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

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

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 appraisal, determination that property is completely constructed, and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;f. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;g. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;j. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;k. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;l. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty relief, an additional valuation product was obtained to confirm value
 was supported within 10% tolerance. In some instances, based on guidance from the seller,
 CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and
 Warranty relief eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

For loans reviewed in a post-close valuation review scenario (537 loans in total):

One hundred sixty-three (163) loans had a Desktop Review, twenty-four (24) loans had an AVM, thirteen (13) loans had a BPO, and four (4) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the five hundred thirty-seven (537) mortgage loans reviewed, one hundred fifty-five (155) unique mortgage loans (28.86% by loan count) had a total of two hundred and forty-eight (248) tape discrepancies across thirty-two (32) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;58 | &nbsp;&nbsp;23.39% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;28 | &nbsp;&nbsp;11.29% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;21 | &nbsp;&nbsp;8.47% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;17 | &nbsp;&nbsp;6.85% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Units | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.65% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;4.84% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.44% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.03% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;4.03% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.63% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.82% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;NON QM Months Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Postal Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**248** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Loan Count | Original Principal Balance | Original Principal Balance | Original Principal Balance | Original Principal Balance | Percent of Sample |
| Event Grade A | 469 | 469 | $127338845.00 | $127338845.00 | $127338845.00 | $127338845.00 | 87.34% |
| Event Grade B | 68 | 68 | $23732020.44 | $23732020.44 | $23732020.44 | $23732020.44 | 12.66% |
| Event Grade C | 0 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | 0% |
| Event Grade D | 0 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | 0% |
| **Total Sample** | 537 | 537 | $151070865.44 | $151070865.44 | $151070865.44 | $151070865.44 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Loan Count | Loan Count | Loan Count | Percent of Sample | Percent of Sample |  |
| Event Grade A | 478 | 478 | 478 | 478 | 89.01% | 89.01% |  |
| Event Grade B | 59 | 59 | 59 | 59 | 10.99% | 10.99% |  |
| Event Grade C | 0 | 0 | 0 | 0 | 0% | 0% |  |
| Event Grade D | 0 | 0 | 0 | 0 | 0% | 0% |  |
| **Total Sample** | 537 | 537 | 537 | 537 | 100.00% | 100.00% |  |
| **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** | **Compliance Results (As applicable, 452 loans within population did not receive a Compliance Review)** |  |
| Event Grade | Loan Count | Loan Count | Loan Count | Percent of Sample | Percent of Sample | Percent of Sample |  |
| Event Grade A | 79 | 79 | 79 | 92.94% | 92.94% | 92.94% |  |
| Event Grade B | 6 | 6 | 6 | 7.06% | 7.06% | 7.06% |  |
| Event Grade C | 0 | 0 | 0 | 0% | 0% | 0% |  |
| Event Grade D | 0 | 0 | 0 | 0% | 0% | 0% |  |
| **Total Sample** | 85 | 85 | 85 | 100.00% | 100.00% | 100.00% |  |
| **Valuation Results:**  | **Valuation Results:**  | **Valuation Results:**  | **Valuation Results:**  | **Valuation Results:**  | **Valuation Results:**  | **Valuation Results:**  |  |
| Event Grade | Event Grade | Loan Count | Loan Count | Loan Count | Loan Count | Percent of Sample |  |
| Event Grade A | Event Grade A | 531 | 531 | 531 | 531 | 98.88% |  |
| Event Grade B | Event Grade B | 6 | 6 | 6 | 6 | 1.12% |  |
| Event Grade C | Event Grade C | 0 | 0 | 0 | 0 | 0% |  |
| Event Grade D | Event Grade D | 0 | 0 | 0 | 0 | 0% |  |
| **Total Sample** | **Total Sample** | 537 | 537 | 537 | 537 | 100.00% |  |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;54 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;26 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;11 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;10 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;9 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;6 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Conveyance Deed Missing or Defective | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp; Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Chain of Title Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Sales Contract Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation Missing or Defective | &nbsp;&nbsp;2 |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Background Check Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title/Lien | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Short Term Rental Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Business Bank Statements Less Than 12 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Title issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Closing Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Loan Application Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***192*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Application Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Title issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Debt Service Coverage Ratio Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Flood Insurance Policy Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 IRS Transcripts Do Not Match Income Docs | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Citizenship Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***66*** |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;37 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;27 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;10 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;TRID Disclosure Delivery Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Compliance  | &nbsp;&nbsp; A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Partially Provided | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***111*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;75 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;7 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Exterior Inspection Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property – Parcel Issues | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Short Term Rental Income - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Short Term Rental Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Significant Derogatory Credit Event – Requirement Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; <br>Property  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing HOA/Condo Certification | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Completion Report or 1004D - Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Non-Occupant Borrower Requirements Not Met | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***113*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property has been listed for sale in the past 6 months | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Project – Other Charter Violation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Questionnaire is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
|  | &nbsp;&nbsp;occupancy are supported and justifiable. The borrower?s willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.17

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304429133 | XXX | 304429133 | Property Units | $XXXXXX | $XXXXXX |  |
| 304429133 | XXX | 304429133 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304429133 | XXX | 304429133 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304429133 | XXX | 304429133 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304671594 | XXX | 304671594 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304671594 | XXX | 304671594 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304671594 | XXX | 304671594 | Sales Price | $XXXXXX | $XXXXXX | XXX |
| 304671594 | XXX | 304671594 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304671594 | XXX | 304671594 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304676732 | XXX | 304676732 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304672361 | XXX | 304672361 | Property Type | $XXXXXX | $XXXXXX | XXX |
| 304637819 | XXX | 304637819 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304497385 | XXX | 304497385 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304497385 | XXX | 304497385 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304511193 | XXX | 304511193 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304511193 | XXX | 304511193 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304511193 | XXX | 304511193 | DSCR | $XXXXXX | $XXXXXX |  |
| 304492622 | XXX | 304492622 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304492622 | XXX | 304492622 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304492622 | XXX | 304492622 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304492384 | XXX | 304492384 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304632092 | XXX | 304632092 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304510895 | XXX | 304510895 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304470415 | XXX | 304470415 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304470415 | XXX | 304470415 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304470415 | XXX | 304470415 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304470415 | XXX | 304470415 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304459057 | XXX | 304459057 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304693399 | XXX | 304693399 | Street Address | $XXXXXX | $XXXXXX | XXX |
| 304693399 | XXX | 304693399 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304685688 | XXX | 304685688 | DSCR | $XXXXXX | $XXXXXX |  |
| 304682015 | XXX | 304682015 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304682015 | XXX | 304682015 | Street Address | $XXXXXX | $XXXXXX | XXX |
| 304671504 | XXX | 304671504 | Property Units | $XXXXXX | $XXXXXX |  |
| 304666833 | XXX | 304666833 | Postal Code | $XXXXXX | $XXXXXX | XXX |
| 304654802 | XXX | 304654802 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304654802 | XXX | 304654802 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304654794 | XXX | 304654794 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304643364 | XXX | 304643364 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304643286 | XXX | 304643286 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304643286 | XXX | 304643286 | Street Address | $XXXXXX | $XXXXXX |  |
| 304642482 | XXX | 304642482 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304641750 | XXX | 304641750 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304641283 | XXX | 304641283 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304641142 | XXX | 304641142 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304641137 | XXX | 304641137 | Property Type | $XXXXXX | $XXXXXX |  |
| 304639803 | XXX | 304639803 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304642591 | XXX | 304642591 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304492776 | XXX | 304492776 | Interest Rate | $XXXXXX | $XXXXXX | XXX |
| 304492776 | XXX | 304492776 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304486399 | XXX | 304486399 | Property Type | $XXXXXX | $XXXXXX |  |
| 304486399 | XXX | 304486399 | Property Units | $XXXXXX | $XXXXXX |  |
| 304420786 | XXX | 304420786 | Sales Price | $XXXXXX | $XXXXXX |  |
| 304420786 | XXX | 304420786 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304405537 | XXX | 304405537 | Loan Purpose | $XXXXXX | $XXXXXX |  |
| 304405537 | XXX | 304405537 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304637584 | XXX | 304637584 | Property Units | $XXXXXX | $XXXXXX | XXX |
| 304637584 | XXX | 304637584 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304637584 | XXX | 304637584 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304637584 | XXX | 304637584 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304472768 | XXX | 304472768 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304472768 | XXX | 304472768 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304472768 | XXX | 304472768 | Property Units | $XXXXXX | $XXXXXX |  |
| 304472768 | XXX | 304472768 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304401278 | XXX | 304401278 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304401278 | XXX | 304401278 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304401278 | XXX | 304401278 | Property Units | $XXXXXX | $XXXXXX |  |
| 304401278 | XXX | 304401278 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304366969 | XXX | 304366969 | Qualifying FICO | $XXXXXX | $XXXXXX |  |
| 304366969 | XXX | 304366969 | Property Type | $XXXXXX | $XXXXXX |  |
| 304366969 | XXX | 304366969 | Property Units | $XXXXXX | $XXXXXX |  |
| 304366969 | XXX | 304366969 | As-Is Value | $XXXXXX | $XXXXXX |  |
| 304366969 | XXX | 304366969 | LTV | $XXXXXX | $XXXXXX |  |
| 304688487 | XXX | 304688487 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304665119 | XXX | 304665119 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304665119 | XXX | 304665119 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304398717 | XXX | 304398717 | Postal Code | $XXXXXX | $XXXXXX |  |
| 304398717 | XXX | 304398717 | Property Units | $XXXXXX | $XXXXXX |  |
| 304398717 | XXX | 304398717 | As-Is Value | $XXXXXX | $XXXXXX |  |
| 304398717 | XXX | 304398717 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304459090 | XXX | 304459090 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304459090 | XXX | 304459090 | City | $XXXXXX | $XXXXXX | XXX |
| 304643437 | XXX | 304643437 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304643437 | XXX | 304643437 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304643437 | XXX | 304643437 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304643437 | XXX | 304643437 | Sales Price | $XXXXXX | $XXXXXX | XXX |
| 304643437 | XXX | 304643437 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304643437 | XXX | 304643437 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304494312 | XXX | 304494312 | Street Address | $XXXXXX | $XXXXXX | XXX |
| 304494312 | XXX | 304494312 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304487628 | XXX | 304487628 | Postal Code | $XXXXXX | $XXXXXX |  |
| 304487628 | XXX | 304487628 | Property Type | $XXXXXX | $XXXXXX |  |
| 304487628 | XXX | 304487628 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304498520 | XXX | 304498520 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304498520 | XXX | 304498520 | Property Units | $XXXXXX | $XXXXXX | XXX |
| 304459055 | XXX | 304459055 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304459055 | XXX | 304459055 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304684791 | XXX | 304684791 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304681754 | XXX | 304681754 | Postal Code | $XXXXXX | $XXXXXX | XXX |
| 304681754 | XXX | 304681754 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304681725 | XXX | 304681725 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304676845 | XXX | 304676845 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304676845 | XXX | 304676845 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304674592 | XXX | 304674592 | Property Type | $XXXXXX | $XXXXXX |  |
| 304673630 | XXX | 304673630 | City | $XXXXXX | $XXXXXX | XXX |
| 304673630 | XXX | 304673630 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304671649 | XXX | 304671649 | Qualifying FICO | $XXXXXX | $XXXXXX |  |
| 304671649 | XXX | 304671649 | Borrower First Name | $XXXXXX | $XXXXXX | XXX |
| 304669806 | XXX | 304669806 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304667865 | XXX | 304667865 | Street Address | $XXXXXX | $XXXXXX | XXX |
| 304667865 | XXX | 304667865 | DSCR | $XXXXXX | $XXXXXX |  |
| 304666732 | XXX | 304666732 | DSCR | $XXXXXX | $XXXXXX |  |
| 304641625 | XXX | 304641625 | Postal Code | $XXXXXX | $XXXXXX | XXX |
| 304641625 | XXX | 304641625 | Property Type | $XXXXXX | $XXXXXX | XXX |
| 304640394 | XXX | 304640394 | Street Address | $XXXXXX | $XXXXXX |  |
| 304640394 | XXX | 304640394 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304640371 | XXX | 304640371 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304635016 | XXX | 304635016 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304634489 | XXX | 304634489 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304458254 | XXX | 304458254 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304441464 | XXX | 304441464 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304384009 | XXX | 304384009 | Property Type | $XXXXXX | $XXXXXX |  |
| 304384009 | XXX | 304384009 | DSCR | $XXXXXX | $XXXXXX |  |
| 304459064 | XXX | 304459064 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304459064 | XXX | 304459064 | Street Address | $XXXXXX | $XXXXXX | XXX |
| 304459064 | XXX | 304459064 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304442679 | XXX | 304442679 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304442679 | XXX | 304442679 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304442679 | XXX | 304442679 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304417164 | XXX | 304417164 | Property Units | $XXXXXX | $XXXXXX |  |
| 304665280 | XXX | 304665280 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304665280 | XXX | 304665280 | DSCR | $XXXXXX | $XXXXXX |  |
| 304428739 | XXX | 304428739 | Loan Amount | $XXXXXX | $XXXXXX | XXX |
| 304428739 | XXX | 304428739 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304428739 | XXX | 304428739 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304428739 | XXX | 304428739 | As-Is Value | $XXXXXX | $XXXXXX |  |
| 304428739 | XXX | 304428739 | LTV | $XXXXXX | $XXXXXX |  |
| 304255435 | XXX | 304255435 | Loan Purpose | $XXXXXX | $XXXXXX |  |
| 304255435 | XXX | 304255435 | Interest Rate | $XXXXXX | $XXXXXX |  |
| 304694867 | XXX | 304694867 | Postal Code | $XXXXXX | $XXXXXX | XXX |
| 304694867 | XXX | 304694867 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304685839 | XXX | 304685839 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304667880 | XXX | 304667880 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304635614 | XXX | 304635614 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304635614 | XXX | 304635614 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304678716 | XXX | 304678716 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304678716 | XXX | 304678716 | LTV | $XXXXXX | $XXXXXX | XXX |
| 304678716 | XXX | 304678716 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304672410 | XXX | 304672410 | Sales Price | $XXXXXX | $XXXXXX | XXX |
| 304672410 | XXX | 304672410 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304672410 | XXX | 304672410 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304688302 | XXX | 304688302 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304680960 | XXX | 304680960 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304682182 | XXX | 304682182 | Property Units | $XXXXXX | $XXXXXX |  |
| 304682182 | XXX | 304682182 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304678117 | XXX | 304678117 | Property Units | $XXXXXX | $XXXXXX | XXX |
| 304678117 | XXX | 304678117 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304667981 | XXX | 304667981 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304667981 | XXX | 304667981 | Interest Only Term | $XXXXXX | $XXXXXX | XXX |
| 304667981 | XXX | 304667981 | Property Units | $XXXXXX | $XXXXXX |  |
| 304667981 | XXX | 304667981 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304708756 | XXX | 304708756 | Sales Price | $XXXXXX | $XXXXXX | XXX |
| 304697058 | XXX | 304697058 | Loan Purpose | $XXXXXX | $XXXXXX | XXX |
| 304461023 | XXX | 304461023 | Property Units | $XXXXXX | $XXXXXX |  |
| 304693857 | XXX | 304693857 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304692475 | XXX | 304692475 | Property Type | $XXXXXX | $XXXXXX | XXX |
| 304691447 | XXX | 304691447 | Street Address | $XXXXXX | $XXXXXX | XXX |
| 304691447 | XXX | 304691447 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304695786 | XXX | 304695786 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304705043 | XXX | 304705043 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304694291 | XXX | 304694291 | Borrower Last Name | $XXXXXX | $XXXXXX | XXX |
| 304694291 | XXX | 304694291 | Property Type | $XXXXXX | $XXXXXX | XXX |
| 304694289 | XXX | 304694289 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304685856 | XXX | 304685856 | P&I | $XXXXXX | $XXXXXX | XXX |
| 304685856 | XXX | 304685856 | Interest Only Term | $XXXXXX | $XXXXXX | XXX |
| 304685856 | XXX | 304685856 | Property Units | $XXXXXX | $XXXXXX | XXX |
| 304685856 | XXX | 304685856 | Sales Price | $XXXXXX | $XXXXXX | XXX |
| 304685856 | XXX | 304685856 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304685856 | XXX | 304685856 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304663365 | XXX | 304663365 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304663365 | XXX | 304663365 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304642816 | XXX | 304642816 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304640031 | XXX | 304640031 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304487588 | XXX | 304487588 | DSCR | $XXXXXX | $XXXXXX | XXX |
| 304694967 | XXX | 304694967 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304693845 | XXX | 304693845 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304637741 | XXX | 304637741 | Interest Rate | $XXXXXX | $XXXXXX | XXX |
| 304495457 | XXX | 304495457 | NON QM Months Reserves | $XXXXXX | $XXXXXX | XXX |
| 304495494 | XXX | 304495494 | As-Is Value | $XXXXXX | $XXXXXX | XXX |
| 304495494 | XXX | 304495494 | NON QM Months Reserves | $XXXXXX | $XXXXXX | XXX |
| 304405233 | XXX | 304405233 | PITIA | $XXXXXX | $XXXXXX | XXX |
| 304405233 | XXX | 304405233 | Monthly Insurance | $XXXXXX | $XXXXXX | XXX |
| 304405233 | XXX | 304405233 | Monthly Taxes | $XXXXXX | $XXXXXX | XXX |
| 304405227 | XXX | 304405227 | PITIA | $XXXXXX | $XXXXXX | XXX |
| 304511318 | XXX | 304511318 | PITIA | $XXXXXX | $XXXXXX | XXX |
| 304511318 | XXX | 304511318 | Monthly Insurance | $XXXXXX | $XXXXXX | XXX |
| 304511318 | XXX | 304511318 | Monthly Taxes | $XXXXXX | $XXXXXX | XXX |
| 304638204 | XXX | 304638204 | PITIA | $XXXXXX | $XXXXXX | XXX |
| 304484876 | XXX | 304484876 | Calculated DSCR | $XXXXXX | $XXXXXX | XXX |
| 304484876 | XXX | 304484876 | Cash Disbursement Date | $XXXXXX | $XXXXXX | XXX |
| 304392923 | XXX | 304392923 | Borrower 1 FTHB | $XXXXXX | $XXXXXX | XXX |
| 304392916 | XXX | 304392916 | Borrower 1 FTHB | $XXXXXX | $XXXXXX | XXX |
| 304392906 | XXX | 304392906 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304392880 | XXX | 304392880 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304392878 | XXX | 304392878 | Qualifying HLTV | $XXXXXX | $XXXXXX | XXX |
| 304392878 | XXX | 304392878 | Qualifying Housing Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304392860 | XXX | 304392860 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304392702 | XXX | 304392702 | Qualifying HLTV | $XXXXXX | $XXXXXX | XXX |
| 304392650 | XXX | 304392650 | Borrower 1 Citizen | $XXXXXX | $XXXXXX | XXX |
| 304483492 | XXX | 304483492 | Borrower 1 Self-Employment Flag | $XXXXXX | $XXXXXX | XXX |
| 304483492 | XXX | 304483492 | Borrower 2 Self-Employment Flag | $XXXXXX | $XXXXXX | XXX |
| 304511404 | XXX | 304511404 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638284 | XXX | 304638284 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638284 | XXX | 304638284 | Closing/Settlement Date | $XXXXXX | $XXXXXX | XXX |
| 304638280 | XXX | 304638280 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638280 | XXX | 304638280 | Closing/Settlement Date | $XXXXXX | $XXXXXX | XXX |
| 304489855 | XXX | 304489855 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304489855 | XXX | 304489855 | Borrower 1 SSN | $XXXXXX | $XXXXXX | XXX |
| 304489855 | XXX | 304489855 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304489842 | XXX | 304489842 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304511309 | XXX | 304511309 | Closing/Settlement Date | $XXXXXX | $XXXXXX | XXX |
| 304638209 | XXX | 304638209 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638209 | XXX | 304638209 | Closing/Settlement Date | $XXXXXX | $XXXXXX | XXX |
| 304638192 | XXX | 304638192 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638178 | XXX | 304638178 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304655314 | XXX | 304655314 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638093 | XXX | 304638093 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638090 | XXX | 304638090 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638073 | XXX | 304638073 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638073 | XXX | 304638073 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304638058 | XXX | 304638058 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638033 | XXX | 304638033 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638033 | XXX | 304638033 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304638021 | XXX | 304638021 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304638021 | XXX | 304638021 | Qualifying Total Debt Income Ratio | $XXXXXX | $XXXXXX | XXX |
| 304638015 | XXX | 304638015 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304637984 | XXX | 304637984 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304655193 | XXX | 304655193 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304655114 | XXX | 304655114 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304655092 | XXX | 304655092 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304694753 | XXX | 304694753 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304694729 | XXX | 304694729 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304694704 | XXX | 304694704 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304694704 | XXX | 304694704 | Closing/Settlement Date | $XXXXXX | $XXXXXX | XXX |
| 304484718 | XXX | 304484718 | Borrower 1 Citizen | $XXXXXX | $XXXXXX | XXX |
| 304484678 | XXX | 304484678 | Calculated DSCR | $XXXXXX | $XXXXXX | XXX |
| 304484678 | XXX | 304484678 | Cash Disbursement Date | $XXXXXX | $XXXXXX | XXX |
| 304484655 | XXX | 304484655 | Cash Disbursement Date | $XXXXXX | $XXXXXX | XXX |
| 304484603 | XXX | 304484603 | Cash Disbursement Date | $XXXXXX | $XXXXXX | XXX |
| 304495485 | XXX | 304495485 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304495485 | XXX | 304495485 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495448 | XXX | 304495448 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495445 | XXX | 304495445 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304495445 | XXX | 304495445 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495397 | XXX | 304495397 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304495397 | XXX | 304495397 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495360 | XXX | 304495360 | Property County | $XXXXXX | $XXXXXX | XXX |
| 304679049 | XXX | 304679049 | Property Type | $XXXXXX | $XXXXXX | XXX |
| 304679049 | XXX | 304679049 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304679049 | XXX | 304679049 | Qualifying CLTV | $XXXXXX | $XXXXXX | XXX |
| 304679049 | XXX | 304679049 | Qualifying LTV | $XXXXXX | $XXXXXX | XXX |
| 304679047 | XXX | 304679047 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495350 | XXX | 304495350 | Application Date | $XXXXXX | $XXXXXX | XXX |
| 304495350 | XXX | 304495350 | Property County | $XXXXXX | $XXXXXX | XXX |
| 304495350 | XXX | 304495350 | Property Type | $XXXXXX | $XXXXXX | XXX |
| 304495350 | XXX | 304495350 | Qualifying FICO | $XXXXXX | $XXXXXX | XXX |
| 304495327 | XXX | 304495327 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495315 | XXX | 304495315 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304495305 | XXX | 304495305 | Property Value | $XXXXXX | $XXXXXX | XXX |
| 304679012 | XXX | 304679012 | Application Date | $XXXXXX | $XXXXXX | XXX |

---

## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.18**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXX | 304255435 | XXX | 3/27/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/27: Clear | 20240327: Clear |  | Cleared | 3/27/2024 | A |
| XXX | XXX | 304366969 | XXX | 8/14/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 8/14: Clear | 20240814: Clear |  | Cleared | 8/14/2024 | A |
| XXX | XXX | 304384009 | XXX | 10/9/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/9: Clear | 20241009: Clear |  | Cleared | 10/9/2024 | A |
| XXX | XXX | 304401278 | XXX | 10/29/2024 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX to XXXand XXX | 20241113: Grant Deed | 20241113: Received |  | Cleared | 11/13/2024 | D A |
| XXX | XXX | 304429133 | XXX | 11/19/2024 | Credit | Title/Lien | Closing Documentation Missing or Defective | Missing closing protection letter | 11/20: CPL | 20241121: Received CPL |  | Cleared | 11/21/2024 | D A |
| XXX | XXX | 304459090 | XXX | 12/3/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (XXX). Please provide exterior inspection following post disaster guideline requirements. | 12/5: XXX was declared Public Assistance, not Individual Assistance per the attached FEMA Maps for XXX. XXX was no declaration at all. PDI not necessary. | 20241205: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXX | 304459090 | XXX | 12/3/2024 | Credit | Credit Documentation | Background Check Missing or Defective | Missing background check for borrower XXXXX | 12/5: Fraud report attached is for both borrowers. The banner with the borrower's name at the top is because they are the primary borrower. XXX is also listed within the document. | 20241205: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXX | 304398717 | XXX | 10/18/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 10/18: Clear | 20241018: Clear |  | Cleared | 10/18/2024 | A |
| XXX | XXX | 304420786 | XXX | 11/4/2024 | Credit | Title/Lien | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after United Wholesale Mortgage. | 12/19 XXX: Please see attached CPL | 20241220: Received |  | Cleared | 12/20/2024 | C A |
| XXX | XXX | 304420786 | XXX | 11/4/2024 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX XXX | 12/3 XXX: Please see attached deed | 20241205: Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXX | 304420786 | XXX | 11/4/2024 | Credit | Application/Processing | Sales Contract Missing or Defective | Missing Purchase Contract | 11/5 XXX: Please see attached purchase agreemen | 20241105: Received purchase agreement |  | Cleared | 11/5/2024 | D A |
| XXX | XXX | 304405537 | XXX | 11/5/2024 | Credit | Credit Documentation | Entity Documentation Missing or Defective | Missing corporate resolution for: | 12/17 XXX: Please see attached document<br> 11/13 XXX: Please see document that details all of the items needed in a corporate resolution. | 20241217: Received resolution<br> 20241113: XXX of operating agreement provided states, "all activities or transactions must be approved by a vote of the majority of the managers present at a meeting in which a quorum is present." Corporate resolution granting XXX signing authority is required. |  | Cleared | 12/17/2024 | D A |
| XXX | XXX | 304417164 | XXX | 11/7/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 11/7: Clear | 20241107: Clear |  | Cleared | 11/7/2024 | A |
| XXX | XXX | 304459064 | XXX | 12/4/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area. Please provide exterior inspection following post disaster guideline requirements. | 12/9: PDI | 20241209: Received |  | Cleared | 12/9/2024 | D A |
| XXX | XXX | 304459057 | XXX | 12/4/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/4: Clear | 20241204: Clear |  | Cleared | 12/4/2024 | A |
| XXX | XXX | 304428739 | XXX | 12/4/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/4: Clear | 20241204: Clear |  | Cleared | 12/4/2024 | A |
| XXX | XXX | 304459055 | XXX | 12/4/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/4: Clear | 20241204: Clear |  | Cleared | 12/4/2024 | A |
| XXX | XXX | 304459383 | XXX | 12/5/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/5: Clear | 20241205: Clear |  | Cleared | 12/5/2024 | A |
| XXX | XXX | 304442679 | XXX | 12/5/2024 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing Asset Documents | 12/6: Per the final settlement statement the borrower was receiving $XXX cash back at closing, the appraisal was paid via credit card (see invoice uploaded), per guidelines Loan Amt <$XXX, LTV <70% reserves are not required. | 20241206: Rescind, reserves not required |  | Cleared | 12/6/2024 | D A |
| XXX | XXX | 304436478 | XXX | 12/9/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance Coverage < $ XXX Minimum Required. | 12/13 XXX-please see attached | 20241213: Received |  | Cleared | 12/13/2024 | C A |
| XXX | XXX | 304432901 | XXX | 12/13/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/13: Clear | 20241213: Clear |  | Cleared | 12/13/2024 | A |
| XXX | XXX | 304459422 | XXX | 12/13/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance Coverage < XXX Minimum Required. | 12/16: title commitment | 20241216: Received |  | Cleared | 12/16/2024 | C A |
| XXX | XXX | 304458254 | XXX | 12/16/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/16: Clear | 20241216: Clear |  | Cleared | 12/16/2024 | A |
| XXX | XXX | 304441464 | XXX | 12/17/2024 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | 1/22 XXX: Please see attached record of the Warranty Deed. | 20250122: Received |  | Cleared | 1/22/2025 | D A |
| XXX | XXX | 304415838 | XXX | 12/18/2024 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease document for the subject property XXX | 12/19: lease | 20241219: Received |  | Cleared | 12/19/2024 | D A |
| XXX | XXX | 304437368 | XXX | 12/20/2024 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | 12/23: CDA | 20241223: Received |  | Cleared | 12/23/2024 | D A |
| XXX | XXX | 304437368 | XXX | 12/20/2024 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing corporate resolution for XXX | 12/23: operating agreement | 20241223: Received operating agreement to evidence signing authority |  | Cleared | 12/23/2024 | D A |
| XXX | XXX | 304462075 | XXX | 12/26/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 12/26: Clear | 20241226: Clear |  | Cleared | 12/26/2024 | A |
| XXX | XXX | 304470415 | XXX | 12/30/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title Insurance coverage < XXX minimum coverage required | 1/2: Title Policy | 20250102: Received updated title |  | Cleared | 1/2/2025 | C A |
| XXX | XXX | 304470748 | XXX | 1/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/2: Clear | 20250102: Clear |  | Cleared | 1/2/2025 | A |
| XXX | XXX | 304472768 | XXX | 1/2/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Missing supplemental or final title report. Please Provide Supplemental Report with and ISAOA/ATIMA and | 1/3: Waived via email | 20250103: Waived via email | LTV 40.69%, FICO XXX | Acknowledged | 1/3/2025 | D B |
| XXX | XXX | 304472768 | XXX | 1/2/2025 | Property | Debt Service Coverage Ratio Eligibility | Subject Property Lease - Missing or Defective | Missing leases for unit XXX and unit XXX for subject property: XXX XXX | 1/3: All leases attached | 20250103: Received |  | Cleared | 1/3/2025 | D A |
| XXX | XXX | 304459158 | XXX | 1/6/2025 | Credit | Title/Lien | Title/Lien | XXX title insurance coverage < XXX minimum coverage required | 1/9 XXX: please see attached | 20250109: Received updated title |  | Cleared | 1/9/2025 | C A |
| XXX | XXX | 304477324 | XXX | 1/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/9: Clear | 20250109: Clear |  | Cleared | 1/9/2025 | A |
| XXX | XXX | 304481444 | XXX | 1/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/17: Clear | 20250117: Clear |  | Cleared | 1/17/2025 | A |
| XXX | XXX | 304477042 | XXX | 1/22/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment Schedule A Item XXX(b) is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name | 1/24 XXX attached | 20250124: Received |  | Cleared | 1/24/2025 | C A |
| XXX | XXX | 304477042 | XXX | 1/22/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing letter of explanation for large deposit of XXX on XX/XX/XXXX for bank account ending in #XXX | 1/23 XXX The deposit is a gift | 20250123: Received source of funds |  | Cleared | 1/23/2025 | D A |
| XXX | XXX | 304480995 | XXX | 1/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/23: Clear | 20250123: Clear |  | Cleared | 1/23/2025 | A |
| XXX | XXX | 304472313 | XXX | 1/24/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal review for subject property:XXX | 1/27 XXX appraisal and field review attached | 20250127: Received field review |  | Cleared | 1/28/2025 | D A |
| XXX | XXX | 304470708 | XXX | 1/10/2025 | Property | General Eligibility | Significant Derogatory Credit Event – Requirement Not Met | Borrower fraud check reflects foreclosure dated XX/XX/XXXX | 1/10: Clear | 20250110: Clear |  | Cleared | 1/10/2025 | C A |
| XXX | XXX | 304487628 | XXX | 1/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/24: Clear | 20250124: Clear |  | Cleared | 1/24/2025 | A |
| XXX | XXX | 304481333 | XXX | 1/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/27: Clear | 20250127: Clear |  | Cleared | 1/27/2025 | A |
| XXX | XXX | 304481332 | XXX | 1/27/2025 | Credit | Title/Lien | Title/Lien | XXX title insurance coverage < XXX minimum coverage required | 1/28: title policy | 20250128: Received |  | Cleared | 1/28/2025 | C A |
| XXX | XXX | 304472319 | XXX | 1/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/28: Clear | 20250128: Clear |  | Cleared | 1/28/2025 | A |
| XXX | XXX | 304492384 | XXX | 1/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 1/31: Clear | 20250131: Clear |  | Cleared | 1/31/2025 | A |
| XXX | XXX | 304511438 | XXX | 2/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/11: Clear | 20250211: Clear |  | Cleared | 2/11/2025 | A |
| XXX | XXX | 304492776 | XXX | 2/19/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 2/25 XXX: Please see attached. | 20250226: Received mortgagee clause |  | Cleared | 2/26/2025 | C A |
| XXX | XXX | 304641269 | XXX | 2/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/24: Clear | 20250224: Clear |  | Cleared | 2/24/2025 | A |
| XXX | XXX | 304632715 | XXX | 2/26/2025 | Credit | Credit Documentation | Mortgage Payment History Missing or Defective | There are XXX lates within XXX-days on the credit report, which is inelligible per guidelines | 3/3: The guideline only reads that this applies up to the loan application date. The payment was made on XX/XX/XXXX and the loan application date is XX/XX/XXXX, so the second mortgage late would be seasoned past 12 months. | 20250303: Rescinded |  | Cleared | 3/3/2025 | C A |
| XXX | XXX | 304632871 | XXX | 2/26/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | XXX hazard insurance coverage < XXX minimum coverage required | 3/3: A master insurance policy was previously provided which supplements the HOI policy provided. An H06 policy was provided which is not required to cover the full loan amount or RCE. | 20250303: Rescinded |  | Cleared | 3/3/2025 | C A |
| XXX | XXX | 304632123 | XXX | 2/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/26: Clear | 20250226: Clear |  | Cleared | 2/26/2025 | A |
| XXX | XXX | 304632536 | XXX | 2/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/26: Clear | 20250226: Clear |  | Cleared | 2/26/2025 | A |
| XXX | XXX | 304496634 | XXX | 2/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/26: Clear | 20250226: Clear |  | Cleared | 2/26/2025 | A |
| XXX | XXX | 304496640 | XXX | 2/27/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment Schedule A Item XXX(b) is MISSING MORTGAGEe clause ISAOA/ATIMA after lender's name | 3/5: Please see attached document | 20250306: Received title insurance |  | Cleared | 3/6/2025 | C A |
| XXX | XXX | 304592814 | XXX | 2/27/2025 | Credit | Closing Documentation | Conveyance Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX & XXX to XXX | 3/4: attached | 20250306: Received conveyance deed |  | Cleared | 3/6/2025 | D A |
| XXX | XXX | 304634489 | XXX | 2/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/28: Clear | 20250228: Clear |  | Cleared | 2/28/2025 | A |
| XXX | XXX | 304637819 | XXX | 2/28/2025 | Credit | Closing Documentation | Conveyance Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX and XXX | 3/3: attached | 20250305: Received warranty deed |  | Cleared | 3/5/2025 | D A |
| XXX | XXX | 304641761 | XXX | 3/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/4: Title Commitment | 20250306: Received title insurance |  | Cleared | 3/6/2025 | C A |
| XXX | XXX | 304486399 | XXX | 3/3/2025 | Credit | Title/Lien | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage | 3/4: CPL | 20250306: Received CPL |  | Cleared | 3/6/2025 | C A |
| XXX | XXX | 304497385 | XXX | 3/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/3: Clear | 20250303: Clear |  | Cleared | 3/3/2025 | A |
| XXX | XXX | 304636598 | XXX | 3/4/2025 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to | 3/7: XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | 20250307: Received XXX Overlay |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 304632867 | XXX | 3/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/4: Clear | 20250304: Clear |  | Cleared | 3/4/2025 | A |
| XXX | XXX | 304613738 | XXX | 3/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/4: Clear | 20250304: Clear |  | Cleared | 3/4/2025 | A |
| XXX | XXX | 304640370 | XXX | 3/4/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Missing letter of explanation for XXX credit inquiry dated XX/XX/XXXX | 3/6 XXX attached | Received |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 304635605 | XXX | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/6: Clear | 20250306: Clear |  | Cleared | 3/6/2025 | A |
| XXX | XXX | 304613735 | XXX | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/6: Clear | 20250306: Clear |  | Cleared | 3/6/2025 | A |
| XXX | XXX | 304641762 | XXX | 3/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/7: Clear | 20250307: Clear |  | Cleared | 3/7/2025 | A |
| XXX | XXX | 304640557 | XXX | 3/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/7: Clear | 20250307: Clear |  | Cleared | 3/7/2025 | A |
| XXX | XXX | 304643296 | XXX | 3/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/7: Clear | 20250307: Clear |  | Cleared | 3/7/2025 | A |
| XXX | XXX | 304640057 | XXX | 3/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/10: Clear | 20250310: Clear |  | Cleared | 3/10/2025 | A |
| XXX | XXX | 304613741 | XXX | 3/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/10: Clear | 20250310: Clear |  | Cleared | 3/10/2025 | A |
| XXX | XXX | 304592808 | XXX | 3/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/11 Clear | 20250311: Clear |  | Cleared | 3/11/2025 | A |
| XXX | XXX | 304676894 | XXX | 3/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/19: Clear | 20250319: Clear |  | Cleared | 3/19/2025 | A |
| XXX | XXX | 304416450 | XXX | 11/1/2024 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX & XXX to XXX | 1/23 XXX: Please see attached deed | 20250123: Received |  | Cleared | 1/23/2025 | D A |
| XXX | XXX | 304416450 | XXX | 11/1/2024 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment Schedule A MISSING MORTGAGEe clause ISAOA/ATIMA after lender's name | 2/28: The title commitment is the ALTA Owners Policy XXX. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance XXX v. 01.00 (7XXX).<br> 3/18: Please note that per the call with XXX, XXX, and XXX on XX/XX/XXXX, this condition should be cleared as the ISAOA is not needed. | 20250228: XXX requires ISAOA/ATIMA in mortgagee clause, please provide updated title<br> 20250318: Rescinded |  | Cleared | 3/18/2025 | C A |
| XXX | XXX | 304426321 | XXX | 11/22/2024 | Credit | Title/Lien | Title Insurance missing or Defective | Title Commitment Schedule A Item XXX(b) is missing lender's name mortgagee clause. Please provide updated title policy with ISAOA/ATIMA verbiage after lender name | 11/26 XXX please see attached | 20241127: Received title |  | Cleared | 11/27/2024 | C A |
| XXX | XXX | 304426321 | XXX | 11/22/2024 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX to | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/17/2025 | D A |
| XXX | XXX | 304459238 | XXX | 12/24/2024 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX-XXX to XXX/XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/17/2025 | D A |
| XXX | XXX | 304492489 | XXX | 2/14/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Final Title Commitment Schedule A is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA | 2/18: Please note that the ALTA Loan Policy of Title Insurance XXX v. 01.00 (XXX) language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, as it is the successor or assignee.<br> 3/3: Waived via email | 20250218: XXX requires ISAOA/ATIMA in mortgagee clause, please provide updated title<br> 20250303: Waived via email | DSCR XXX LTV 75%, FICO XXX | Acknowledged | 3/3/2025 | C B |
| XXX | XXX | 304492489 | XXX | 2/14/2025 | Credit | Title or Lien | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage. | 03/19 XXX Based on the call with the client, we are OK to proceed with the given verbiage on these title packages.<br> 02/18: Please note that the ALTA Loan Policy of Title Insurance XXX v. 01.00 (XXX) language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, as it is the successor or assignee. | 20250319: Agree, clear<br> 20250218: XXX requires ISAOA/ATIMA in mortgagee clause, please provide updated title |  | Cleared | 3/19/2025 | C A |
| XXX | XXX | 304511193 | XXX | 2/19/2025 | Credit | Debt Service Coverage Ratio Documentation | Short Term Rental Documentation Missing or Defective | Missing XXX month rental history for subject property: XXX | 3/10: XXX receipts<br> 2/21: Market rent from the appraisal was used to qualify this loan. Market rent of $XXX divided by housing costs of $XXX equals a DSCR of XXX | 20250310: Received STR income, DSCR 1.33<br> 20250221: Please provide 12 months rental history for STR. Per guidelines a refinance transaction needs 12 month rents for STR |  | Cleared | 3/10/2025 | D A |
| XXX | XXX | 304511193 | XXX | 2/19/2025 | Credit | Application/Processing | Loan Application Missing or Defective | Missing 1003 loan application. | 3/11: Waived via email | 20250311: Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | 3/11/2025 | D B |
| XXX | XXX | 304635016 | XXX | 2/21/2025 | Credit | Closing Documentation | Deed Missing or Defective | Missing executed conveyance deed fom XXX and XXX. Deed in file is not signed by grantor and grantee | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/17/2025 | C A |
| XXX | XXX | 304494312 | XXX | 2/24/2025 | Credit | Borrower and Mortgage Eligibility | Debt Service Coverage Ratio Eligibility | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: Income XXX + P&I XXX Property Taxes XXX Hazard Insurance XXX | 02/28 XXX XXX agrees with the above finding and is asking for an exception to be provided. Positive factors documented are: Seasoned Investor with over XXX properties and XXX Mortgage lates reporting XXX FICO score 73% LTV Thank you for the consideration. | 20250310: Waived via email | FICO XXX LTV 73.08%, experienced XXX | Acknowledged | 3/10/2025 | C B |
| XXX | XXX | 304487912 | XXX | 2/26/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Commitment Title Schedule A Item XXX(a) is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage after XXX | 03/19 XXX Based on the call with the client, we are OK to proceed with the given verbiage on these title packages.<br> 3/4: The title commitment is the ALTA Owners Policy XXX. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance XXX v. 01.00 (XXX). | 20250319: Agree, clear<br> 20250306: XXX requires ISAOA/ATIMA verbiage in the mortgagee clause, please provide updated title |  | Cleared | 3/19/2025 | C A |
| XXX | XXX | 304511005 | XXX | 2/26/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Preliminary Title is MISSING MORTGAGEe clause after lender's name. Please provide updated title policy with ISAOA/ATIMA verbiage | 3/12: The title commitment is the ALTA Owners Policy XXX. This policy specifically has language there is an inherent guarantee that the policy extends to the assignee of the insured mortgage. "Future owner of the indebtedness" means the same as ISAOA, so we can proceed given the fact it is ALTA Loan Policy of Title Insurance XXX v. 01.00 (XXX) | 20250312: Rescinded |  | Cleared | 3/12/2025 | D A |
| XXX | XXX | 304638461 | XXX | 2/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 2/27: Clear | 20250227: Clear |  | Cleared | 2/27/2025 | A |
| XXX | XXX | 304637124 | XXX | 2/27/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after Lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 4/15: Please see attached HOI Policy. | 20250415: Received |  | Cleared | 4/15/2025 | C A |
| XXX | XXX | 304643437 | XXX | 2/28/2025 | Credit | Closing Documentation | Loan Application Missing or Defective | Missing Loan Application | 3/6: Waived via email | 20250306: Waived via email | DSCR XXX LTV 70%, FICO XXX | Acknowledged | 3/6/2025 | D B |
| XXX | XXX | 304636634 | XXX | 2/28/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/18: please see attached doc | 20250318: Received title insurance |  | Cleared | 3/18/2025 | C A |
| XXX | XXX | 304643437 | XXX | 2/28/2025 | Credit | Closing Documentation | Conveyance Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | 3/6: Deed | 20250306: Received conveyance deed |  | Cleared | 3/6/2025 | D A |
| XXX | XXX | 304640403 | XXX | 3/3/2025 | Credit | Title/Lien | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage | 3/14: Please see attached CPL | 20250314: Received |  | Cleared | 3/14/2025 | C A |
| XXX | XXX | 304640403 | XXX | 3/3/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived via XXX email | DSCR XXX FICO XXX months reserves | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304640403 | XXX | 3/3/2025 | Credit | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement for for subject property located at: XXX | 3/18 XXX: Please see attached doc<br> 3/5: This property is a short-term rental. No lease agreement is required | 20250319: STR income received, DSCR 1.13<br> 20250306: Subject property is a short term rental, but is missing evidence of short-term rental history. |  | Cleared | 3/19/2025 | D A |
| XXX | XXX | 304498520 | XXX | 3/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/5: Clear | 20250305: Clear |  | Cleared | 3/5/2025 | A |
| XXX | XXX | 304640062 | XXX | 3/6/2025 | Credit | Closing Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX and XXX Yedvobnick to XXX | XXX overlay - please clear any outstanding conveyance deed conditions and do not cite going forward | Received XXX Overlay |  | Cleared | 3/17/2025 | D A |
| XXX | XXX | 304637584 | XXX | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/6: Clear | 20250306: Clear |  | Cleared | 3/6/2025 | A |
| XXX | XXX | 304639803 | XXX | 3/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/17 XXX please see attached please clear thank you | 20250317: Received |  | Cleared | 3/17/2025 | C A |
| XXX | XXX | 304642482 | XXX | 3/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/25: Please see attached doc | 20250325: Received |  | Cleared | 3/25/2025 | C A |
| XXX | XXX | 304640061 | XXX | 3/7/2025 | Credit | Closing Documentation | Hazard Insurance Missing or Defective | Hazard insurance is missing premium amount | 3/31 XXX attached | 20250331: Received |  | Cleared | 3/31/2025 | C A |
| XXX | XXX | 304641625 | XXX | 3/10/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $ XXX title insurance coverage < XXX minimum coverage required | 3/20: Updated title | 20250320: Received |  | Cleared | 3/20/2025 | C A |
| XXX | XXX | 304636343 | XXX | 3/10/2025 | Property | Ineligible Property | Ineligible Property – Parcel Issues | Missing tax certificate for the subject property. Annual tax amount was taken from appraisal in file. | 3/12: Per the agreed upon guidelines, the UW is allowed to calculate the subject's property taxes by using XXX% of the subject's appraised value. A current tax bill or property tax estimate from title is not required. | 20250312: Confirmed using 1.5% value |  | Cleared | 3/12/2025 | D A |
| XXX | XXX | 304642358 | XXX | 3/10/2025 | Credit | Title/Lien | Closing Protection Letter Missing or Defective | Closing protection letter is MISSING MORTGAGEe clause after lender's name. Please provide updated CPL with ISAOA/ATIMA verbiage after XXX | 3/12: Per the XXX (XXX) guidelines, the ISAOA verbiage on closing protection letters is only required on the final title policy. | 20250312: ALTA XXX policy, language present |  | Cleared | 3/12/2025 | C A |
| XXX | XXX | 304642358 | XXX | 3/10/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | $ XXX title insurance coverage < XXX minimum coverage required | 3/27: please see attached please clear thank you | 20250327: Received title insurance |  | Cleared | 3/27/2025 | C A |
| XXX | XXX | 304640371 | XXX | 3/11/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/12: Supplement | 20250312: Received |  | Cleared | 3/12/2025 | C A |
| XXX | XXX | 304640056 | XXX | 3/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/11 Clear | 20250311: Clear |  | Cleared | 3/11/2025 | A |
| XXX | XXX | 304654794 | XXX | 3/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/11 Clear | 20250311: Clear |  | Cleared | 3/11/2025 | A |
| XXX | XXX | 304641869 | XXX | 3/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/12: Clear | 20250312: Clear |  | Cleared | 3/12/2025 | A |
| XXX | XXX | 304636576 | XXX | 3/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/12: Clear | 20250312: Clear |  | Cleared | 3/12/2025 | A |
| XXX | XXX | 304572234 | XXX | 3/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/12: Clear | 20250312: Clear |  | Cleared | 3/12/2025 | A |
| XXX | XXX | 304592805 | XXX | 3/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/13: Clear | 20250313: Clear |  | Cleared | 3/13/2025 | A |
| XXX | XXX | 304663728 | XXX | 3/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/13: Clear | 20250313: Clear |  | Cleared | 3/13/2025 | A |
| XXX | XXX | 304642591 | XXX | 3/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/13: Clear | 20250313: Clear |  | Cleared | 3/13/2025 | A |
| XXX | XXX | 304641647 | XXX | 3/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/13: Clear | 20250313: Clear |  | Cleared | 3/13/2025 | A |
| XXX | XXX | 304654796 | XXX | 3/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/14: Clear | 20250314: Clear |  | Cleared | 3/14/2025 | A |
| XXX | XXX | 304640394 | XXX | 3/14/2025 | Credit | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after Lender's name and Policy premium. Please provide updated hazard policy with ISAOA/ATIMA verbiage and premium amount. | 3/27: Please see attached document. | 20250327: Received hazard insurance |  | Cleared | 3/27/2025 | C A |
| XXX | XXX | 304636579 | XXX | 3/14/2025 | Credit | Title or Lien | Chain of Title Missing or Defective | Missing XXX month chain of title for subject property: XXX | 03/17/25-XXX: The chain of title was provided on page #5 of the preliminary title commitment. Please see attached. | 20250317: Received |  | Cleared | 3/17/2025 | C A |
| XXX | XXX | 304671504 | XXX | 3/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/14: Clear | 20250314: Clear |  | Cleared | 3/14/2025 | A |
| XXX | XXX | 304665119 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304641752 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304663411 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304642491 | XXX | 3/17/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum insurance required | 3/18: Title Commitment | 20250318: Received title insurance |  | Cleared | 3/18/2025 | C A |
| XXX | XXX | 304632092 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304640388 | XXX | 3/17/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 4/1 XXX: Please see attached doc | 20250401: Received |  | Cleared | 4/1/2025 | C A |
| XXX | XXX | 304632709 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304641750 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304634460 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304663314 | XXX | 3/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/17: Clear | 20250317: Clear |  | Cleared | 3/17/2025 | A |
| XXX | XXX | 304644208 | XXX | 3/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/18: Clear | 20250318: Clear |  | Cleared | 3/18/2025 | A |
| XXX | XXX | 304663413 | XXX | 3/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/18: Clear | 20250318: Clear |  | Cleared | 3/18/2025 | A |
| XXX | XXX | 304641766 | XXX | 3/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/18: Clear | 20250318: Clear |  | Cleared | 3/18/2025 | A |
| XXX | XXX | 304642807 | XXX | 3/18/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX | 4/4: Title Policy | 20250404: Received |  | Cleared | 4/4/2025 | D A |
| XXX | XXX | 304638653 | XXX | 3/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/19: Clear | 20250319: Clear |  | Cleared | 3/19/2025 | A |
| XXX | XXX | 304644210 | XXX | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/20: Clear | 20250320: Clear |  | Cleared | 3/20/2025 | A |
| XXX | XXX | 304641137 | XXX | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/20: Clear | 20250320: Clear |  | Cleared | 3/20/2025 | A |
| XXX | XXX | 304641283 | XXX | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/20: Clear | 20250320: Clear |  | Cleared | 3/20/2025 | A |
| XXX | XXX | 304642599 | XXX | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/20: Clear | 20250320: Clear |  | Cleared | 3/20/2025 | A |
| XXX | XXX | 304641134 | XXX | 3/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/20: Clear | 20250320: Clear |  | Cleared | 3/20/2025 | A |
| XXX | XXX | 304654802 | XXX | 3/21/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 3/31: please see attached doc XXX 3.31 | 20250331: Received |  | Cleared | 3/31/2025 | C A |
| XXX | XXX | 304663729 | XXX | 3/21/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/27: please see attached | 20250327: Received title insurance |  | Cleared | 3/27/2025 | C A |
| XXX | XXX | 304667882 | XXX | 3/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/24: Clear | 20250324: Clear |  | Cleared | 3/24/2025 | A |
| XXX | XXX | 304644125 | XXX | 3/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/24: Clear | 20250324: Clear |  | Cleared | 3/24/2025 | A |
| XXX | XXX | 304639807 | XXX | 3/24/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/11 XXX-please see attached | 20250411: Received |  | Cleared | 4/11/2025 | C A |
| XXX | XXX | 304639807 | XXX | 3/24/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy in file is MISSING MORTGAGEe clause after lender name. Please provide updated hazard insurance policy with "XXX. ISAOA/ATIMA". | 4/10 XXX: Please see attached policy | 20250410: Received |  | Cleared | 4/10/2025 | C A |
| XXX | XXX | 304671461 | XXX | 3/24/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/25 XXX please see attached please clear thank you | 20250325: Received |  | Cleared | 3/25/2025 | C A |
| XXX | XXX | 304632874 | XXX | 3/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/24: Clear | 20250324: Clear |  | Cleared | 3/24/2025 | A |
| XXX | XXX | 304510895 | XXX | 3/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/24: Clear | 20250324: Clear |  | Cleared | 3/24/2025 | A |
| XXX | XXX | 304654799 | XXX | 3/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/24: Clear | 20250324: Clear |  | Cleared | 3/24/2025 | A |
| XXX | XXX | 304667879 | XXX | 3/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/26: Clear | 20250326: Clear |  | Cleared | 3/26/2025 | A |
| XXX | XXX | 304643030 | XXX | 3/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/26: Clear | 20250326: Clear |  | Cleared | 3/26/2025 | A |
| XXX | XXX | 304676732 | XXX | 3/27/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 4/21: please see attached doc | 20250421: Received |  | Cleared | 4/21/2025 | D A |
| XXX | XXX | 304666732 | XXX | 3/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/27: Clear | 20250327: Clear |  | Cleared | 3/27/2025 | A |
| XXX | XXX | 304642466 | XXX | 3/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/27: Clear | 20250327: Clear |  | Cleared | 3/27/2025 | A |
| XXX | XXX | 304640043 | XXX | 3/27/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived via XXX email | DSCR XXX LTV 65.79%, FICO XXX | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304676067 | XXX | 3/27/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 3/28: please see attached please clear thank you | 20250328: Received title insurance |  | Cleared | 3/28/2025 | C A |
| XXX | XXX | 304667718 | XXX | 3/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/27: Clear | 20250327: Clear |  | Cleared | 3/27/2025 | A |
| XXX | XXX | 304676067 | XXX | 3/27/2025 | Credit | Application Processing | Entity Documentation - Missing or Defective | Missing EIN for borrowing entity: XXX | 03/31/2025 - XXX: Please see attached verification of business containing the ID number for XXX. | 20250331: Received |  | Cleared | 3/31/2025 | D A |
| XXX | XXX | 304641158 | XXX | 3/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/27: Clear | 20250327: Clear |  | Cleared | 3/27/2025 | A |
| XXX | XXX | 304635614 | XXX | 3/27/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/3: please see attached | 20250403: Received |  | Cleared | 4/3/2025 | C A |
| XXX | XXX | 304635614 | XXX | 3/27/2025 | Credit | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property located at: XXX | 5/7: waived via email<br> 3/31 XXX attached | 20250507: Waived via email<br> 20250401: Lease agreement received, however, lease includes a purchase option which is ineligible per guidelines dated XXX | FICO XXX DSCR XXX XX/XX/XXXX months reserves | Acknowledged | 5/7/2025 | D B |
| XXX | XXX | 304665280 | XXX | 3/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/31: Clear | 20250331: Clear |  | Cleared | 3/31/2025 | A |
| XXX | XXX | 304641751 | XXX | 3/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/31: Clear | 20250331: Clear |  | Cleared | 3/31/2025 | A |
| XXX | XXX | 304671356 | XXX | 3/31/2025 | Credit | Credit Documentation | Entity Documentation Missing or Defective | Missing EIN for: XXX | 4/1: attached | 20250401: Received EIN |  | Cleared | 4/1/2025 | D A |
| XXX | XXX | 304642485 | XXX | 3/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/31: Clear | 20250331: Clear |  | Cleared | 3/31/2025 | A |
| XXX | XXX | 304666833 | XXX | 3/31/2025 | Credit | Title or Lien | Chain of Title Missing or Defective | Missing chain of title for subject property: XXX | 4/1: attached | 20250402: Received chain of title |  | Cleared | 4/2/2025 | D A |
| XXX | XXX | 304672320 | XXX | 4/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/1: Clear | 20250401: Clear |  | Cleared | 4/1/2025 | A |
| XXX | XXX | 304643286 | XXX | 4/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/1: Clear | 20250401: Clear |  | Cleared | 4/1/2025 | A |
| XXX | XXX | 304643026 | XXX | 4/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/2: Clear | 20250402: Clear |  | Cleared | 4/2/2025 | A |
| XXX | XXX | 304637813 | XXX | 4/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/2: Clear | 20250402: Clear |  | Cleared | 4/2/2025 | A |
| XXX | XXX | 304643025 | XXX | 4/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/2: Clear | 20250402: Clear |  | Cleared | 4/2/2025 | A |
| XXX | XXX | 304677773 | XXX | 4/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | 4/21: please see attached doc | 20250421: Received |  | Cleared | 4/21/2025 | C A |
| XXX | XXX | 304654681 | XXX | 4/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/2: Clear | 20250402: Clear |  | Cleared | 4/2/2025 | A |
| XXX | XXX | 304677773 | XXX | 4/2/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGEe clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 4/17 XXX: Please see attached document | 20250417: Received |  | Cleared | 4/17/2025 | C A |
| XXX | XXX | 304667865 | XXX | 4/2/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Missing letter of explanation for credit inquiry dated XX/XX/XXXX | 4/3: Please see the attached letter of explanation from the borrower | 20250404: Received |  | Cleared | 4/4/2025 | D A |
| XXX | XXX | 304674609 | XXX | 4/2/2025 | Credit | Application Processing | Entity Documentation - Missing or Defective | Missing operating agreement for borrowing entity to verify ownership percentage. | 4/3 XXX: Please see attached corporate resolution breaking up ownership percentage. | 20250404: Received |  | Cleared | 4/4/2025 | D A |
| XXX | XXX | 304674609 | XXX | 4/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/3: please see attached please clear thank you | 20250403: Received |  | Cleared | 4/3/2025 | C A |
| XXX | XXX | 304678271 | XXX | 4/3/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/15: please see attached | 20250415: Received |  | Cleared | 4/15/2025 | C A |
| XXX | XXX | 304669795 | XXX | 4/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/3: Clear | 20250403: Clear |  | Cleared | 4/3/2025 | A |
| XXX | XXX | 304677117 | XXX | 4/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/3: Clear | 20250403: Clear |  | Cleared | 4/3/2025 | A |
| XXX | XXX | 304677883 | XXX | 4/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/3: Clear | 20250403: Clear |  | Cleared | 4/3/2025 | A |
| XXX | XXX | 304678271 | XXX | 4/3/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is MISSING MORTGAGE clause after lender's name. Please provide updated hazard policy with ISAOA/ATIMA verbiage. | 4/9 XXX See attached updated insurance | 20250410: Received |  | Cleared | 4/10/2025 | C A |
| XXX | XXX | 304632095 | XXX | 4/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/4: Clear | 20250404: Clear |  | Cleared | 4/4/2025 | A |
| XXX | XXX | 304677115 | XXX | 4/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/4: Clear | 20250404: Clear |  | Cleared | 4/4/2025 | A |
| XXX | XXX | 304676146 | XXX | 4/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/4: Clear | 20250404: Clear |  | Cleared | 4/4/2025 | A |
| XXX | XXX | 304643019 | XXX | 4/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/7: Clear | 20250407: Clear |  | Cleared | 4/7/2025 | A |
| XXX | XXX | 304678286 | XXX | 4/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/7: Clear | 20250407: Clear |  | Cleared | 4/7/2025 | A |
| XXX | XXX | 304670823 | XXX | 4/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/7: Clear | 20250407: Clear |  | Cleared | 4/7/2025 | A |
| XXX | XXX | 304671594 | XXX | 4/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/7: Clear | 20250407: Clear |  | Cleared | 4/7/2025 | A |
| XXX | XXX | 304678017 | XXX | 4/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/11 XXX-please see attached | 20250413: Received |  | Cleared | 4/13/2025 | C A |
| XXX | XXX | 304665082 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/8: Clear | 20250408: Clear |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304671368 | XXX | 4/8/2025 | Property | Insurance | Hazard Insurance Missing or Defective | XXX Title insurance coverage < XXX minimum coverage required | 4/17: Title Policy | 20250417: Received |  | Cleared | 4/17/2025 | C A |
| XXX | XXX | 304674602 | XXX | 4/8/2025 | Property | Ineligible Property | Ineligible Property – Parcel Issues | Missing tax certificate for the subject property. Annual tax amount was taken from appraisal in file. | 4/10 XXX XXX uses a tax millage rate of XXX to estimate taxes for Texas new construction properties (based on appraised value) | 20250410: Confirmed, DSCR match |  | Cleared | 4/10/2025 | D A |
| XXX | XXX | 304664571 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/8: Clear | 20250408: Clear |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304678085 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/8: Clear | 20250408: Clear |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304641142 | XXX | 4/8/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/21: please see attached doc | 20250421: Received |  | Cleared | 4/21/2025 | C A |
| XXX | XXX | 304668971 | XXX | 4/9/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/15: please see attached | 20250415: Received |  | Cleared | 4/15/2025 | C A |
| XXX | XXX | 304640405 | XXX | 4/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/9: Clear | 20250409: Clear |  | Cleared | 4/9/2025 | A |
| XXX | XXX | 304671649 | XXX | 4/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/9: Clear | 20250409: Clear |  | Cleared | 4/9/2025 | A |
| XXX | XXX | 304678287 | XXX | 4/9/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/10: Title Commitment | 20250410: Received |  | Cleared | 4/10/2025 | C A |
| XXX | XXX | 304677844 | XXX | 4/9/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/21: please see attached doc | 20250421: Received |  | Cleared | 4/21/2025 | C A |
| XXX | XXX | 304492622 | XXX | 4/9/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Prepayment penalty dated XX/XX/XXXX reflects term of XXX months. Please opine. | XXX4/17 Please see attached Change of Circumstance and Closing Disclosure from XXX that shows the Prepayment penalty was added and disclosure to the borrower. | 20250417: Confirmed 12 month PPP |  | Cleared | 4/17/2025 | C A |
| XXX | XXX | 304681144 | XXX | 4/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/10: Clear | 20250410: Clear |  | Cleared | 4/10/2025 | A |
| XXX | XXX | 304677366 | XXX | 4/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/10: Clear | 20250410: Clear |  | Cleared | 4/10/2025 | A |
| XXX | XXX | 304678082 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/11: Clear | 20250411: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 304676910 | XXX | 4/11/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived via XXX email | DSCR XXX FICO XXX LTV 65.79% | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304681725 | XXX | 4/11/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property: XXX | 4/14: The property is currently unleased and according to the guidelines both purchase and refinance transactions, 100% of the market rent from the appraisal form 1007 will be used to determine the Debt Service Coverage Ratio (DSCR). | 20250415: Received |  | Cleared | 4/15/2025 | D A |
| XXX | XXX | 304681725 | XXX | 4/11/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing two month bank Statements for bank account ending in #XXX | 4/14: Please see attached bank statement that is from XX/XX/XXXX-XX/XX/XXXX and a transaction history from XX/XX/XXXX-XX/XX/XXXX | 20250415: Received |  | Cleared | 4/22/2025 | D A |
| XXX | XXX | 304679176 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/11: Clear | 20250411: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 304666832 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/11: Clear | 20250411: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 304677761 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/11: Clear | 20250411: Clear |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 304669804 | XXX | 4/11/2025 | Credit | Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy is missing lender's name and mortgage clause. Please provide updated hazard policy with ISAOA/ATIMA verbiage | 4/15: revised mortgagee attached | 20250415: Received |  | Cleared | 4/15/2025 | C A |
| XXX | XXX | 304678940 | XXX | 4/15/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | 4/23: Waived via XXX email | 20250423: Waived via XXX email | FICO XXX LTV 80%, months reserves XXX | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304681049 | XXX | 4/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/15: Clear | 20250415: Clear |  | Cleared | 4/15/2025 | A |
| XXX | XXX | 304664492 | XXX | 4/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/16: Clear | 20250416: Clear |  | Cleared | 4/16/2025 | A |
| XXX | XXX | 304682194 | XXX | 4/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/16: Clear | 20250416: Clear |  | Cleared | 4/16/2025 | A |
| XXX | XXX | 304680586 | XXX | 4/16/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived via XXX email | FICO XXX LTV 71.54%, XXX months reserves | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304679579 | XXX | 4/16/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived via XXX email | FICO XXX LTV 71.15%, XXX months reserves | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304677770 | XXX | 4/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/16: Clear | 20250416: Clear |  | Cleared | 4/16/2025 | A |
| XXX | XXX | 304678267 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/17: Clear | 20250417: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304681199 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/17: Clear | 20250417: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304669792 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/17: Clear | 20250417: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304681754 | XXX | 4/17/2025 | Property | Debt Service Coverage Ratio Documentation | Market Rent - Missing or Defective | Missing form 1007 for the subject property : XXX . Unable to calculate DSCR | 4/21: 1007 | 20250421: Received |  | Cleared | 4/21/2025 | D A |
| XXX | XXX | 304678947 | XXX | 4/17/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | 4/18: Title Policy | 20250418: Received |  | Cleared | 4/18/2025 | C A |
| XXX | XXX | 304677290 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/17: Clear | 20250417: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304677884 | XXX | 4/17/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit prepayment penalty of XXX months does not align with client tape prepayment penalty of XXX months. Final CD in file reflects XXX months PPP and there is a change in circumstance document reflecting a change from a XXX month PPP to a XXX month PPP. | 4/18: Please see the attached COC form changing from a 3 year PPP to a 2 year PPP | 20250421: Received COC changing 3 year PPP to 2 year PPP |  | Cleared | 4/21/2025 | C A |
| XXX | XXX | 304678361 | XXX | 4/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/17: Clear | 20250417: Clear |  | Cleared | 4/17/2025 | A |
| XXX | XXX | 304685817 | XXX | 4/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/18: Clear | 20250418: Clear |  | Cleared | 4/18/2025 | A |
| XXX | XXX | 304674592 | XXX | 4/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/18: Clear | 20250418: Clear |  | Cleared | 4/18/2025 | A |
| XXX | XXX | 304680591 | XXX | 4/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/18: Clear | 20250418: Clear |  | Cleared | 4/18/2025 | A |
| XXX | XXX | 304681050 | XXX | 4/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/18: Clear | 20250418: Clear |  | Cleared | 4/18/2025 | A |
| XXX | XXX | 304484539 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/8: Clear | 20250408: Clear |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304676143 | XXX | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/22: Clear | 20250422: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304686623 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/23: Clear | 20250423: Clear |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304667880 | XXX | 4/22/2025 | Credit | Title/Lien | Title Insurance Missing or Defective | Title Commitment report in file is MISSING MORTGAGEe clause after lender's name and coverage amount. Please provide updated title insurance policy with ISAOA/ATIMA verbiage and coverage amount. | 5/1: attached | 20250501: Received |  | Cleared | 5/1/2025 | C A |
| XXX | XXX | 304679242 | XXX | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/22: Clear | 20250422: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304677279 | XXX | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/22: Clear | 20250422: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304681142 | XXX | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/22: Clear | 20250422: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304666721 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/23: Clear | 20250423: Clear |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304663298 | XXX | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/22: Clear | 20250422: Clear |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304685689 | XXX | 4/23/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Commitment in file is MISSING MORTGAGEe clause after lenders' name. Please provide updated title insurance with ISAOA/ATIMA verbiage | 5/6 XXX attached<br> 4/24:please see attached please clear thank you | 20250506: Final title received<br> 20250424: Trailing doc does not include ISAOA/ATIMA verbiage after lenders' name. Title policy Is also not a XXX ATLA policy, making mortgagee clause a requirement. |  | Cleared | 5/6/2025 | C A |
| XXX | XXX | 304677880 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/23: Clear | 20250423: Clear |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304679603 | XXX | 4/23/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived per XXX email | FICO XXX LTV 71.15%, XXX months reserves | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304687282 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/23: Clear | 20250423: Clear |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304643364 | XXX | 4/23/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/23: Waived via XXX email | 20250423: Waived via XXX email | FICO XXX LTV XXX %, XXX months reserves | Acknowledged | 4/23/2025 | B |
| XXX | XXX | 304682015 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/23: Clear | 20250423: Clear |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304679571 | XXX | 4/24/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/24: Waived via XXX email | 20250424: Waived via XXX email | FICO XXX LTV 71.15%, XXX months reserves | Acknowledged | 4/24/2025 | B |
| XXX | XXX | 304685242 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/23: Clear | 20250423: Clear |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304673630 | XXX | 4/24/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/24: Waived via XXX email | 20250424: Waived via XXX email | FICO XXX LTV 72.63%, XXX months reserves | Acknowledged | 4/24/2025 | B |
| XXX | XXX | 304679503 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304684791 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304663310 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304685688 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304687189 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304678348 | XXX | 4/24/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/24: Waived via XXX email | 20250424: Waived via XXX email | LTV 66.02%, FICO XXX months reserves | Acknowledged | 4/24/2025 | B |
| XXX | XXX | 304677843 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304685958 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304669806 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304685436 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304667854 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304681130 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304667857 | XXX | 4/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/25: Clear | 20250425: Clear |  | Cleared | 4/25/2025 | A |
| XXX | XXX | 304665087 | XXX | 4/25/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 4/25: Waived via XXX email | 20250425: Waived via XXX email | LTV 64.83%, FICO XXX months reserves | Acknowledged | 4/25/2025 | B |
| XXX | XXX | 304665087 | XXX | 4/25/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Operating Agreement or Corporate Resolution for borrower entity: | 4/28: Please see attached document. | 20250428: Received |  | Cleared | 4/28/2025 | D A |
| XXX | XXX | 304685838 | XXX | 4/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 45775 | 20250428: Clear |  | Cleared | 4/28/2025 | A |
| XXX | XXX | 304683346 | XXX | 4/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 45775 | 20250428: Clear |  | Cleared | 4/28/2025 | A |
| XXX | XXX | 304643367 | XXX | 4/28/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Missing Appraisal XXX-D | 4/29: Please see attached copy of pest and foundation property inspection reports. | 20250430: Received |  | Cleared | 4/30/2025 | D A |
| XXX | XXX | 304684785 | XXX | 4/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 45775 | 20250428: Clear |  | Cleared | 4/28/2025 | A |
| XXX | XXX | 304679501 | XXX | 4/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 45775 | 20250428: Clear |  | Cleared | 4/28/2025 | A |
| XXX | XXX | 304685872 | XXX | 4/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/29: Clear | 20250429: Clear |  | Cleared | 4/29/2025 | A |
| XXX | XXX | 304643112 | XXX | 4/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/29: Clear | 20250429: Clear |  | Cleared | 4/29/2025 | A |
| XXX | XXX | 304667720 | XXX | 4/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/29: Clear | 20250429: Clear |  | Cleared | 4/29/2025 | A |
| XXX | XXX | 304685839 | XXX | 4/29/2025 | Credit | Credit Eligibility | Credit Event – Requirement Not Met | Missing letter of explanation for credit inquiries dated XX/XX/XXXX | 4/30: The inquiry to XXX on XX/XX/XXXX is tied to the credit report ordered on XX/XX/XXXX and prepared for XXX. A letter of explanation confirming no new debt from this inquiry is not required. | 20250501: Rescinded |  | Cleared | 5/1/2025 | D A |
| XXX | XXX | 304685839 | XXX | 4/29/2025 | Credit | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing updated lease agreements for units XX/XX/XXXX for subject property located at: XXX | 4/30: Please see attached. | 20250501: Received |  | Cleared | 5/1/2025 | D A |
| XXX | XXX | 304694185 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/30: Clear | 20250430: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304692187 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/30: Clear | 20250430: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304676845 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/30: Clear | 20250430: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304693399 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/30: Clear | 20250430: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304683300 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/30: Clear | 20250430: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304693496 | XXX | 4/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/30: Clear | 20250430: Clear |  | Cleared | 4/30/2025 | A |
| XXX | XXX | 304685879 | XXX | 5/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/1: Clear | 20250501: Clear |  | Cleared | 5/1/2025 | A |
| XXX | XXX | 304685235 | XXX | 5/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/1: Clear | 20250501: Clear |  | Cleared | 5/1/2025 | A |
| XXX | XXX | 304692572 | XXX | 5/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/1: Clear | 20250501: Clear |  | Cleared | 5/1/2025 | A |
| XXX | XXX | 304693491 | XXX | 5/1/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | 5/1: Waived via XXX email | 20250501: Waived via XXX email | DSCR XXX months reserves, LTV 62.19% | Acknowledged | 5/1/2025 | B |
| XXX | XXX | 304677293 | XXX | 5/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/1: Clear | 20250501: Clear |  | Cleared | 5/1/2025 | A |
| XXX | XXX | 304685824 | XXX | 5/1/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/1: Clear | 20250501: Clear |  | Cleared | 5/1/2025 | A |
| XXX | XXX | 304643302 | XXX | 5/2/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | 5/2: Waived via XXX email | 20250502: Waived via XXX email | DSCR XXX months reserves XXX LTV % XXX | Acknowledged | 5/2/2025 | B |
| XXX | XXX | 304695085 | XXX | 5/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/2: Clear | 20250502: Clear |  | Cleared | 5/2/2025 | A |
| XXX | XXX | 304692571 | XXX | 5/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/2: Clear | 20250502: Clear |  | Cleared | 5/2/2025 | A |
| XXX | XXX | 304688666 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304639893 | XXX | 5/5/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/5: Waived via XXX email | 20250505: Waived via XXX email | DSCR XXX FICO XXX LTV 62.19% | Acknowledged | 5/5/2025 | B |
| XXX | XXX | 304692201 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304686693 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304688494 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304694867 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304688487 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304681712 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304683345 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304686598 | XXX | 5/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/5: Clear | 20250552: Clear |  | Cleared | 5/5/2025 | A |
| XXX | XXX | 304682090 | XXX | 5/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/6: Clear | 20250556: Clear |  | Cleared | 5/6/2025 | A |
| XXX | XXX | 304686599 | XXX | 5/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/6: Clear | 20250556: Clear |  | Cleared | 5/6/2025 | A |
| XXX | XXX | 304691460 | XXX | 5/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/6: Clear | 20250556: Clear |  | Cleared | 5/6/2025 | A |
| XXX | XXX | 304677760 | XXX | 5/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/6: Clear | 20250556: Clear |  | Cleared | 5/6/2025 | A |
| XXX | XXX | 304672361 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304695424 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304674608 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304682080 | XXX | 5/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/7: Waived via XXX email | 20250507: Waived via XXX email | FICO XXX LTV 53.15%, XXX months reserves | Acknowledged | 5/7/2025 | B |
| XXX | XXX | 304682092 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304685302 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304682100 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304695783 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304667871 | XXX | 5/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/7: Clear | 20250557: Clear |  | Cleared | 5/7/2025 | A |
| XXX | XXX | 304461023 | XXX | 12/19/2024 | Credit | Application/Processing | Loan Application Missing or Defective | Missing 1003 loan application | 12/20: Commercial Loan. Non-Standard Application attached | 20241220: Received |  | Cleared | 12/20/2024 | D A |
| XXX | XXX | 304487588 | XXX | 3/19/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XX/XX/XXXX < XX/XX/XXXX DSCR required minimum. Please provide short term rental income to qualify. | 5/8 XXX See attached Short Term Rental Docs, using average of the receipts, DSCR is 1.53<br> 5/1: This is rented out as a short term rental, see attached short term rental 1007 | 20250508: STR income received, DSCR 1.49<br> 20250501: Short-term rental income is needed to calculate DSCR |  | Cleared | 5/8/2025 | D A |
| XXX | XXX | 304487588 | XXX | 3/19/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount and mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 5/1: Please see attached doc | 20250501: Received |  | Cleared | 5/1/2025 | C A |
| XXX | XXX | 304667981 | XXX | 3/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/25: Clear | 20250325: Clear |  | Cleared | 3/25/2025 | A |
| XXX | XXX | 304672410 | XXX | 4/7/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance effective date of XX/XX/XXXX is after the loan closing date of XXX/XXX/XXX. Additionally policy is missing ISAOA/ATIMA verbiage in mortgagee clause. Please provide updated policy meeting these requirements. | 4/16: The HOI documentation with appropriate mortgagee clause language has been uploaded for review. The effective dates on the documentation is sufficient, as California is a dry funding state, per the final closing statement/settlement statement the loan did not disburse until XXX, both policies were in effect as of XXX. | 20250416: Received |  | Cleared | 4/16/2025 | C A |
| XXX | XXX | 304682182 | XXX | 4/10/2025 | Credit | Title or Lien | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter | 4/13: CPL | 20250413: Received |  | Cleared | 4/13/2025 | D A |
| XXX | XXX | 304682182 | XXX | 4/10/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XX/XX/XXXX does not align with client DSCR of XXX. Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + Flood XXX Please opine. | 4/11: Rent roll states total income from XXX occupied units is $XXX/month. P&I is $XXX + XXX Hazard Insurance + $XXX Taxes + $XXX Flood Insurance-- escrow amounts are based on executed Final Settlement Statement. $XXX divided by $XXX actually equals a 1.6177 DSCR ratio. This ratio is more than sufficient | 20250411: Unable to support $XXX monthly taxes, using taxes from narrative appraisal $XXX. DSCR meets all guidelines requirements at 1.52 |  | Cleared | 4/11/2025 | C A |
| XXX | XXX | 304640369 | XXX | 4/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/15: Clear | 20250415: Clear |  | Cleared | 4/15/2025 | A |
| XXX | XXX | 304678117 | XXX | 4/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/15: Clear | 20250415: Clear |  | Cleared | 4/15/2025 | A |
| XXX | XXX | 304663365 | XXX | 4/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/16: Clear | 20250416: Clear |  | Cleared | 4/16/2025 | A |
| XXX | XXX | 304640031 | XXX | 4/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/16: Clear | 20250416: Clear |  | Cleared | 4/16/2025 | A |
| XXX | XXX | 304671350 | XXX | 4/16/2025 | Property | Ineligible Property | Ineligible Property – Square Footage | XXX Square Foot < XXX minimum Square Foot required. | 4/25: Waived via XXX email | 20250425: Waived via XXX email | XXX months reserves, High FICO XXX LTV 65.1%, no late payments, over XXX year work history | Acknowledged | 4/25/2025 | C B |
| XXX | XXX | 304642816 | XXX | 4/17/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | 4/18: attached | 20250418: Received |  | Cleared | 4/18/2025 | C A |
| XXX | XXX | 304643349 | XXX | 4/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/18: Clear | 20250418: Clear |  | Cleared | 4/18/2025 | A |
| XXX | XXX | 304685856 | XXX | 4/22/2025 | Credit | Assets Eligibility | Insufficient Assets for Reserves | XXX verified assets < XXX cash to close. Please provide additional assets. | 4/29: Additional assets | 20250430: Received |  | Cleared | 4/30/2025 | C A |
| XXX | XXX | 304678716 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 4/24: Clear | 20250424: Clear |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304693614 | XXX | 5/2/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Missing lease agreement for subject property located at: XXX = | 5/15 XXX: Please see attached lease agreement | 20250516: Received |  | Cleared | 5/16/2025 | D A |
| XXX | XXX | 304692482 | XXX | 5/6/2025 | Credit | Assets Eligibility | Insufficient Assets for Reserves | XXX liquidity < XXX cash to close plus three months reserves. Breakdown: #XXX in the amount of $XXX. Please provide updated asset documentation | 5/8: Net proceeds from the sale of XXX were utilized. Please see the attached final closing disclosure | 20250508: Received |  | Cleared | 5/8/2025 | C A |
| XXX | XXX | 304676091 | XXX | 5/6/2025 | Property | Debt Service Coverage Ratio Documentation | Short Term Rental Documentation Missing or Defective | Please provide supporting documentation for rental income of $XXX. The financial Statement in file does not specify the subject property as the rented XXX property. The Statement is also from XXX Please provide updated documentation. | 5/9: attached explanation | 5/9: STR income received |  | Cleared | 5/9/2025 | D A |
| XXX | XXX | 304692482 | XXX | 5/6/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/6: Waived via XXX email | 20250506: Waived via XXX email | DSCR XXX FICO XXX LTV 56.4% | Acknowledged | 5/6/2025 | B |
| XXX | XXX | 304667867 | XXX | 5/7/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing operating agreement for "" | 5/12 XXX: Please see attached doc. | 20250512: Received |  | Cleared | 5/12/2025 | D A |
| XXX | XXX | 304686627 | XXX | 5/7/2025 | Credit | Application/Processing | Entity Documentation - Missing or Defective | Missing Operating Agreement & Corporate resolution for. | 5/8 XXX: Please see attached document | 20250508: Received |  | Cleared | 5/8/2025 | D A |
| XXX | XXX | 304693502 | XXX | 5/8/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/8: Waived via XXX email | 20250508: Waived via XXX email | FICO XXX LTV 56.4%, XXX months reserves | Acknowledged | 5/8/2025 | B |
| XXX | XXX | 304678077 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304677278 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304688548 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304692677 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304678288 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304685813 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304693408 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304691550 | XXX | 5/8/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal 1004D for subject property: XXX | 5/9 XXX: Please see attached inspection doc. No 104D needed. | 20250512: Received |  | Cleared | 5/12/2025 | D A |
| XXX | XXX | 304693731 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304691541 | XXX | 5/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/8: Clear | 20250558: Clear |  | Cleared | 5/8/2025 | A |
| XXX | XXX | 304693490 | XXX | 5/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/9: Clear | 20250559: Clear |  | Cleared | 5/9/2025 | A |
| XXX | XXX | 304692693 | XXX | 5/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/9: Clear | 20250559: Clear |  | Cleared | 5/9/2025 | A |
| XXX | XXX | 304680961 | XXX | 5/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/9: Clear | 20250559: Clear |  | Cleared | 5/9/2025 | A |
| XXX | XXX | 304678967 | XXX | 5/9/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing appraisal 1004D for subject property: XXX | 05/12/2025 - XXX: Please see the attached property inspection report. The appraisal was made "Subject to an inspection", and XXX, Property Condition and Quality of Construction of the Improvements (XX/XX/XXXX) states that in these cases, the appraiser is not required to review the professionally prepared report, re-inspect the property, or provide a Form 1004D. | 20250512: Received |  | Cleared | 5/12/2025 | D A |
| XXX | XXX | 304686618 | XXX | 5/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/9: Clear | 20250559: Clear |  | Cleared | 5/9/2025 | A |
| XXX | XXX | 304694186 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304693867 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304700947 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304695782 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304692675 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304698390 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304697058 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304693872 | XXX | 5/12/2025 | Credit | Title or Lien | Title Insurance missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 5/12: Waived via XXX email | 20250512: Waived via XXX email | FICO XXX LTV 56.4%, XXX months reserves | Acknowledged | 5/12/2025 | B |
| XXX | XXX | 304688307 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304694176 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304699528 | XXX | 5/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/12: Clear | 20250512: Clear |  | Cleared | 5/12/2025 | A |
| XXX | XXX | 304693868 | XXX | 5/12/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 5/12: Waived via XXX email | 20250512: Waived via XXX email | FICO XXX DSCR XXX months reserves | Acknowledged | 5/12/2025 | B |
| XXX | XXX | 304685679 | XXX | 5/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | 5/13: Waived via XXX email | 20250513: Waived via XXX email | XX/XX/XXXX Months Reserves, XXX FICO, XXX% LTV | Acknowledged | 5/13/2025 | B |
| XXX | XXX | 304693728 | XXX | 5/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/13: Clear | 20250513: Clear |  | Cleared | 5/13/2025 | A |
| XXX | XXX | 304692474 | XXX | 5/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/13: Waived via XXX email | 20250513: Waived via XXX email | XXX Months Reserves, XXX FICO, XXX% LTV | Acknowledged | 5/13/2025 | B |
| XXX | XXX | 304692184 | XXX | 5/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/13: Waived via XXX email | 20250513: Waived via XXX email | XXX Months Reserves, XXX FICO, XXX% LTV | Acknowledged | 5/13/2025 | B |
| XXX | XXX | 304683307 | XXX | 5/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/13: Clear | 20250513: Clear |  | Cleared | 5/13/2025 | A |
| XXX | XXX | 304700921 | XXX | 5/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/13: Clear | 20250513: Clear |  | Cleared | 5/13/2025 | A |
| XXX | XXX | 304692678 | XXX | 5/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/13: Clear | 20250513: Clear |  | Cleared | 5/13/2025 | A |
| XXX | XXX | 304685683 | XXX | 5/13/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | 5/13: Waived via XXX email | 20250513: Waived via XXX email | XXX Months Reserves, XXX FICO, XXX% LTV | Acknowledged | 5/13/2025 | B |
| XXX | XXX | 304680960 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304693631 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304681707 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304688665 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304685307 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304685680 | XXX | 5/14/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | 5/14: Waived via XXX email | 20250514: Waived via XXX email | XXX Months Reserves, FICO XXX LTV 57.92% | Acknowledged | 5/14/2025 | B |
| XXX | XXX | 304694184 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304700215 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304686600 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304699135 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304693876 | XXX | 5/14/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | 5/14: Waived via XXX email | 20250514: Waived via XXX email | XX/XX/XXXX Months Reserves, XXX FICO, XX/XX/XXXX DSCR | Acknowledged | 5/14/2025 | B |
| XXX | XXX | 304693629 | XXX | 5/14/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | 5/14: Waived via XXX email | 20250514: Waived via XXX email | XXX Months Reserves, XXX FICO, XXX % LTV | Acknowledged | 5/14/2025 | B |
| XXX | XXX | 304699143 | XXX | 5/14/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/14: Clear | 20250514: Clear |  | Cleared | 5/14/2025 | A |
| XXX | XXX | 304692475 | XXX | 5/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/15: Clear | 20250515: Clear |  | Cleared | 5/15/2025 | A |
| XXX | XXX | 304691447 | XXX | 5/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/15: Clear | 20250515: Clear |  | Cleared | 5/15/2025 | A |
| XXX | XXX | 304693487 | XXX | 5/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/15: Clear | 20250515: Clear |  | Cleared | 5/15/2025 | A |
| XXX | XXX | 304693404 | XXX | 5/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/15: Clear | 20250515: Clear |  | Cleared | 5/15/2025 | A |
| XXX | XXX | 304700938 | XXX | 5/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/15: Clear | 20250515: Clear |  | Cleared | 5/15/2025 | A |
| XXX | XXX | 304695786 | XXX | 5/15/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR value of XX/XX/XXXX does not match tape DSCR value of XXX. Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX insurance + XXX taxes | 5/16 XXX We agree with the 2.54 DSCR calculation. DSCR requirement is only 1, 2.54 is well above the minimum. | 20250516: Received |  | Cleared | 5/16/2025 | C A |
| XXX | XXX | 304688302 | XXX | 5/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/16: Clear | 20250516: Clear |  | Cleared | 5/16/2025 | A |
| XXX | XXX | 304685845 | XXX | 5/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/16: Clear | 20250516: Clear |  | Cleared | 5/16/2025 | A |
| XXX | XXX | 304700945 | XXX | 5/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/16: Clear | 20250516: Clear |  | Cleared | 5/16/2025 | A |
| XXX | XXX | 304700211 | XXX | 5/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/16: Clear | 20250516: Clear |  | Cleared | 5/16/2025 | A |
| XXX | XXX | 304692689 | XXX | 5/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/16: Clear | 20250516: Clear |  | Cleared | 5/16/2025 | A |
| XXX | XXX | 304693622 | XXX | 5/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/16: Clear | 20250516: Clear |  | Cleared | 5/16/2025 | A |
| XXX | XXX | 304677765 | XXX | 5/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/19: Clear | 20250519: Clear |  | Cleared | 5/19/2025 | A |
| XXX | XXX | 304693729 | XXX | 5/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/19: Clear | 20250519: Clear |  | Cleared | 5/19/2025 | A |
| XXX | XXX | 304691269 | XXX | 5/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/19: Clear | 20250519: Clear |  | Cleared | 5/19/2025 | A |
| XXX | XXX | 304692700 | XXX | 5/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/19: Clear | 20250519: Clear |  | Cleared | 5/19/2025 | A |
| XXX | XXX | 304699516 | XXX | 5/20/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | 5/20: Waived via XXX email | 20250520: Waived via XXX email | FICO XXX DSCR XXX LTV 61.65% | Acknowledged | 5/20/2025 | B |
| XXX | XXX | 304700224 | XXX | 5/20/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | 5/20: Waived via XXX email | 20250520: Waived via XXX email | FICO XXX DSCR XXX months reserves | Acknowledged | 5/20/2025 | B |
| XXX | XXX | 304700930 | XXX | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXX | 304694291 | XXX | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXX | 304678266 | XXX | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXX | 304702444 | XXX | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXX | 304691474 | XXX | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXX | 304694110 | XXX | 5/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/20: Clear | 20250520: Clear |  | Cleared | 5/20/2025 | A |
| XXX | XXX | 304693859 | XXX | 5/21/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 5/21: Waived via XXX email | 20250521: Waived via XXX email | XXX Months Reserves, FICO XXX LTV 47.21% | Acknowledged | 5/21/2025 | B |
| XXX | XXX | 304693845 | XXX | 5/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/21: Clear | 20250521: Clear |  | Cleared | 5/21/2025 | A |
| XXX | XXX | 304693395 | XXX | 5/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/22: Clear | 20250522: Clear |  | Cleared | 5/22/2025 | A |
| XXX | XXX | 304702043 | XXX | 5/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/22: Clear | 20250522: Clear |  | Cleared | 5/22/2025 | A |
| XXX | XXX | 304694289 | XXX | 5/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/22: Clear | 20250522: Clear |  | Cleared | 5/22/2025 | A |
| XXX | XXX | 304697122 | XXX | 5/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/22: Clear | 20250522: Clear |  | Cleared | 5/22/2025 | A |
| XXX | XXX | 304688550 | XXX | 5/23/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | 5/23: Waived via XXX email | 20250523: Waived via XXX email | XXX Months Reserves, DSCR XXX FICO XXX | Acknowledged | 5/23/2025 | B |
| XXX | XXX | 304693722 | XXX | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/23: Clear | 20250523: Clear |  | Cleared | 5/23/2025 | A |
| XXX | XXX | 304705043 | XXX | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  | 20250523: Clear |  | Cleared | 5/23/2025 | A |
| XXX | XXX | 304707915 | XXX | 5/23/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required. | 5/23: Waived via XXX email | 20250523: Waived via XXX email | FICO XXX LTV 18.3%, DSCR XXX | Acknowledged | 5/23/2025 | B |
| XXX | XXX | 304702605 | XXX | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/23: Clear | 20250523: Clear |  | Cleared | 5/23/2025 | A |
| XXX | XXX | 304696950 | XXX | 5/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/23: Clear | 20250523: Clear |  | Cleared | 5/23/2025 | A |
| XXX | XXX | 304694868 | XXX | 5/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/27: Clear | 20250527: Clear |  | Cleared | 5/27/2025 | A |
| XXX | XXX | 304693843 | XXX | 5/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/27: Clear | 20250527: Clear |  | Cleared | 5/27/2025 | A |
| XXX | XXX | 304694967 | XXX | 5/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/27: Clear | 20250527: Clear |  | Cleared | 5/27/2025 | A |
| XXX | XXX | 304694174 | XXX | 5/27/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | XXX DSCR < XX/XX/XXXX minimum DSCR required. Monthly breakdown is as follows: XXX Income/ XXX P/I + XXX insurance + XXX taxes. Please provide three months rent receipts to use higher lease rent. | 05/29 XXX: Please see attached. | 20250529: Received |  | Cleared | 5/29/2025 | C A |
| XXX | XXX | 304694174 | XXX | 5/27/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX Minimum coverage required. | 5/27 Waived via XXX email | 20250527: Waived via XXX email | FICO XXX Months Reserves, LTV 47.28% | Acknowledged | 5/27/2025 | B |
| XXX | XXX | 304699134 | XXX | 5/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/27: Clear | 20250527: Clear |  | Cleared | 5/27/2025 | A |
| XXX | XXX | 304671636 | XXX | 5/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/27: Clear | 20250527: Clear |  | Cleared | 5/27/2025 | A |
| XXX | XXX | 304702377 | XXX | 5/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/28: Clear | 20250528: Clear |  | Cleared | 5/28/2025 | A |
| XXX | XXX | 304704929 | XXX | 5/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/28: Clear | 20250528: Clear |  | Cleared | 5/28/2025 | A |
| XXX | XXX | 304693857 | XXX | 5/28/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | XXX title insurance coverage < XXX minimum coverage required. | 5/28: Waived via XXX email | 20250528: Waived via XXX email | LTV 47.28%, FICO XXX months reserves XXX | Acknowledged | 5/28/2025 | B |
| XXX | XXX | 304700221 | XXX | 5/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/29: Clear | 20250529: Clear |  | Cleared | 5/29/2025 | A |
| XXX | XXX | 304708756 | XXX | 5/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/29: Clear | 20250529: Clear |  | Cleared | 5/29/2025 | A |
| XXX | XXX | 304700219 | XXX | 5/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/29: Clear | 20250529: Clear |  | Cleared | 5/29/2025 | A |
| XXX | XXX | 304704517 | XXX | 5/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 5/29: Clear | 20250529: Clear |  | Cleared | 5/29/2025 | A |
| XXX | XXX | 304367846 | XXX | 8/23/2024 | No Findings |  | No Findings | The loan meets all applicable guidelines | 8/23: Clear | 20240823: Clear |  | Cleared | 8/23/2024 | A |
| XXX | XXX | 304637741 | XXX | 2/26/2025 | Property | Appraisal Review | Appraisal Review - Missing | Missing Appraisal review For Subject Property : XXX | 2/28: Attaching XXX | 20250228: Received CDA |  | Cleared | 2/28/2025 | D A |
| XXX | XXX | 304637762 | XXX | 2/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 02/26: Clear | 20250226: Clear |  | Cleared | 2/26/2025 | A |
| XXX | XXX | 304510618 | XXX | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | 3/6: Clear | 20250306: Clear |  | Cleared | 3/6/2025 | A |
| XXX | XXX | 304495536 | XXX | 4/14/2025 | Credit | Credit | Background Check Missing or Defective | Missing background check for guarantor: XXX | 20250418: please see fraud attached | 20250421: Background check received. |  | Cleared | 4/21/2025 | D A |
| XXX | XXX | 304495457 | XXX | 2/7/2025 | Property | Property | Non-Occupant Borrower Requirements Not Met | Appraisal lists the subject's occupancy as tenant-occupied, and interior photos of subject appear to show tenant-occupancy. However, subject is currently listed for rent, and XXX in file States that the subject is vacant. Please provide clarification on subject's occupancy. | 20250212: UW rebuttal | 20250214: Received clarification on subject's occupancy. |  | Cleared | 2/14/2025 | C A |
| XXX | XXX | 304495494 | XXX | 2/10/2025 | Credit | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX and XXX. | 20250212: WD | 20250214: Received conveyance deed. |  | Cleared | 2/14/2025 | D A |
| XXX | XXX | 304495494 | XXX | 2/10/2025 | Property | Property | Ineligible Project – Other Charter Violation | Condo project contains significant deferred maintenance due to stairs/decks and balcony still being under construction. Per UWG, projects with significant deferred maintenance are inXXX. | 20250210: XXX exception approval in file. | 20250210: NQM exception approval received. | XXX months reserves greater than program requirement, DSCR > XX/XX/XXXX | Acknowledged | 2/10/2025 | C B |
| XXX | XXX | 304405242 | XXX | 9/27/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/27/2024 | A |
| XXX | XXX | 304405227 | XXX | 9/27/2024 | No Findings | Credit | Credit Report Missing or Defective | Credit report in file is missing FICO scores for all three repositories. Please provide updated credit report for guarantor XXX . | This has been uploaded | 20241011: Received updated credit report. |  | Cleared | 10/11/2024 | C A |
| XXX | XXX | 304405233 | XXX | 9/27/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/27/2024 | A |
| XXX | XXX | 304454336 | XXX | 11/26/2024 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 11/26/2024 | A |
| XXX | XXX | 304694540 | XXX | 1/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 1/21/2025 | A |
| XXX | XXX | 304511318 | XXX | 2/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/7/2025 | A |
| XXX | XXX | 304511240 | XXX | 2/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/19/2025 | A |
| XXX | XXX | 304638233 | XXX | 2/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/19/2025 | A |
| XXX | XXX | 304511241 | XXX | 2/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/20/2025 | A |
| XXX | XXX | 304638204 | XXX | 2/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/25/2025 | A |
| XXX | XXX | 304511204 | XXX | 2/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 2/26/2025 | A |
| XXX | XXX | 304638248 | XXX | 2/26/2025 | No Findings | Credit | Entity Documentation - Missing or Defective | Missing operating agreement for borrowing entity,. Unable to prove sole ownership. | uploaded | XXX:Received updated Entity Documentation |  | Cleared | 3/7/2025 | D A |
| XXX | XXX | 304638189 | XXX | 3/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/3/2025 | A |
| XXX | XXX | 304638143 | XXX | 3/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/3/2025 | A |
| XXX | XXX | 304669776 | XXX | 3/5/2025 | No Findings | Loan Documentation | Minimum Loan Amount Not Met | XXX < XXX minimum required for XX/XX/XXXX Residential DSCR Program. | exception approval from management attached. please review. TY | XXX: Exception approval received. | XXX FICO, LTV lower than XXX% DSCR at least XX/XX/XXXX | Acknowledged | 3/24/2025 | C B |
| XXX | XXX | 304511235 | XXX | 3/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/5/2025 | A |
| XXX | XXX | 304655348 | XXX | 3/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/7/2025 | A |
| XXX | XXX | 304511251 | XXX | 3/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/11/2025 | A |
| XXX | XXX | 304637992 | XXX | 3/12/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/12/2025 | A |
| XXX | XXX | 304655057 | XXX | 3/13/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/13/2025 | A |
| XXX | XXX | 304655055 | XXX | 3/14/2025 | No Findings | Credit | Entity Documentation - Missing or Defective | Missing Certificate of Trust for the borrower XXX, as Trustee and his Successors in Trust of XXX Revocable Trust. | Please review trust doc. | XXX: Received certificate of trust. |  | Cleared | 3/19/2025 | D A |
| XXX | XXX | 304638109 | XXX | 3/14/2025 | No Findings | Assets | Asset Documentation Missing or Defective | Missing asset documentation | Please review the XXX bank Statement uploaded. | XXX: Received asset docs. |  | Cleared | 3/19/2025 | D A |
| XXX | XXX | 304655055 | XXX | 3/14/2025 | No Findings | Borrower and Mortgage Eligibility | Short Term Rental Income - Missing or Defective | Missing short term rental income for subject property located at: XXX | Please review. | XXX: Received STR income. |  | Cleared | 3/19/2025 | D A |
| XXX | XXX | 304655170 | XXX | 3/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/19/2025 | A |
| XXX | XXX | 304655351 | XXX | 3/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/21/2025 | A |
| XXX | XXX | 304638141 | XXX | 3/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/26/2025 | A |
| XXX | XXX | 304655222 | XXX | 3/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/27/2025 | A |
| XXX | XXX | 304681803 | XXX | 3/28/2025 | No Findings | Loan Documentation | Entity Documentation - Missing or Defective | Missing Operating Agreement for | Our guidelins don't require the Operating Agreement per se: those docs are required "if any". We do have Articles of Org/filings and docs dated XX/XX/XXXX confirming active/Tax EIN letter from IRS/and the Art of Org doc shows both bwrs have authority of XXX. I am attaching guides. Please see highlight. TY | XXX: Rescind. Operating agreement isn't required, both members of borrower are authorized XXXs. |  | Cleared | 4/1/2025 | D A |
| XXX | XXX | 304638035 | XXX | 4/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/3/2025 | A |
| XXX | XXX | 304669766 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304669768 | XXX | 4/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/8/2025 | A |
| XXX | XXX | 304681802 | XXX | 4/9/2025 | No Findings | Borrower and Mortgage Eligibility | Subject Property Lease - Missing or Defective | Missing lease agreements for XXX occupied units for subject property located at: XXX . Existing leases must be provided for both purchase and refinance transactions. | XX/XX/XXXX - doc uploaded. doc uploaded | XXX: Leases uploaded. Per section XX/XX/XXXX of UWG, leases are required for all transactions. Provided rent roll isn't sufficient. Please provide lease agreements for all XXX units of subject property. |  | Cleared | 4/30/2025 | D A |
| XXX | XXX | 304655196 | XXX | 4/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/9/2025 | A |
| XXX | XXX | 304681802 | XXX | 4/9/2025 | No Findings | Appraisal | Appraisal Missing or Defective | Missing rent roll attachment for subject property located at: XXX. | doc uploaded | XXX: Rescind. Already in file. |  | Cleared | 4/10/2025 | D A |
| XXX | XXX | 304477599 | XXX | 4/10/2025 | No Findings | Loan Documentation | Sales Contract Missing or Defective | Missing addendum to purchase contract extending closing date from XX/XX/XXXX to XXX/XXX/XXX. | Please review. | XXX: Received addendum to purchase contract extending closing date. |  | Cleared | 4/15/2025 | A |
| XXX | XXX | 304691968 | XXX | 4/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/11/2025 | A |
| XXX | XXX | 304694750 | XXX | 4/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/22/2025 | A |
| XXX | XXX | 304694688 | XXX | 4/23/2025 | No Findings | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX showing sufficient chain of title for subject property. | Please see attached Deed. | XXX: Received |  | Cleared | 4/25/2025 | D A |
| XXX | XXX | 304681806 | XXX | 4/23/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/23/2025 | A |
| XXX | XXX | 304694759 | XXX | 4/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/24/2025 | A |
| XXX | XXX | 304694606 | XXX | 4/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 4/29/2025 | A |
| XXX | XXX | 304694783 | XXX | 5/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 5/2/2025 | A |
| XXX | XXX | 304484876 | XXX | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484876 | XXX | 12/16/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484876 | XXX | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484875 | XXX | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXX | 304484875 | XXX | 01/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXX | 304484875 | XXX | 01/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXX | 304392951 | XXX | 10/01/2024 | Property | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The loan file did not contain the HOA Questionnaire. | Please find FNMA approval attached | Document provided is sufficient. Exception resolved.; HOA Meets Guidelines | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.35% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.35% is less than Guideline CLTV of 90% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392951 | XXX | 10/01/2024 | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing The loan file only contained the XXX for the borrower's income, there was not a schedule C located in the loan file. | Please find response from our Senior UW | Document provided is sufficient. Exception resolved.; Borrower 1 Personal Tax Returns Provided | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 72.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 72.45% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | D A |
| XXX | XXX | 304392951 | XXX | 10/01/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). | Please find attached; Please find attached | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 72.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 72.45% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | B A |
| XXX | XXX | 304392951 | XXX | 10/01/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 72.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 72.45% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392923 | XXX | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 72.45% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 72.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392923 | XXX | 10/02/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 72.45% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 72.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392923 | XXX | 10/02/2024 | Credit | Income/Employment | Income documentation does not meet guidelines | Evidence of XXX-months receipt for short-term rental income for all REOs required to utilize as income per guidelines. The loan file does not contain XXX-months receipt of short-term rental income. However, a lender approved exception was in the loan file granting approval to utilize short-term rental income, without XXX-months of receipt. The lender identified the following compensating factors to justify this approval; XXX years on current job, XXX plus years credit history, and borrower contribution exceeds requirements >=XXX%. Exception downgraded to a level 2/B. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 72.45% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.45% is less than Guideline CLTV of 72.45% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392916 | XXX | 10/01/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). There is no evidence the borrower received a copy of the appraisal. | Please find attached; Please find attached | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not have an option to confirm which of the XXX listed was applicable. The HPML rule requires the appraisal to be received by the borrower least XXX days prior to consummation therefore they cannot waive it and documentation to show receipt of the appraisal timely is required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | B A |
| XXX | XXX | 304392916 | XXX | 10/01/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. There is no evidence the borrower received a copy of the appraisal at least XXX days prior to consummation | Please find attached; Please find attached | Evidence of Appraisal Delivery to the Borrower Provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not have an option to confirm which of the XXX listed was applicable. The HPML rule requires the appraisal to be received by the borrower least XXX days prior to consummation therefore they cannot waive it and documentation to show receipt of the appraisal timely is required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392916 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Cure Required. HPML Loan with established escrows, however there is no evidence the borrower received a copy of the appraisal at least XXX days prior to consummation. | Please find attached; Please find attached | Appraisal delivery provided; HPML compliant. Exception resolved; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not have an option to confirm which of the XXX listed was applicable. The HPML rule requires the appraisal to be received by the borrower least XXX days prior to consummation therefore they cannot waive it and documentation to show receipt of the appraisal timely is required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392916 | XXX | 09/27/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392916 | XXX | 09/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392913 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV 10% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392913 | XXX | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392913 | XXX | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392906 | XXX | 10/03/2024 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. - The subject county is being offered XXX assistance for XXX , which was recently declared on XX/XX/XXXX and now requires a PDI. | PDI | Property Inspection Provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/03/2024 | C A |
| XXX | XXX | 304392906 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV 10% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392906 | XXX | 10/01/2024 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392906 | XXX | 10/01/2024 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject transaction is for a cash-out refinance of a new construction Primary Residence owned by borrower for over a year, however, the Appraisal report reflects that the subject property is vacant as borrower was living with parents waiting for completion of subject property. Because subject is a XXX occupied property, appraisal would need to reflect same. However, the loan file contains a lender approved exception to bypass appraisal correction and move forward with closing. The Lender identified the following compensating factors to justify this approval; DTI >= XXX% lower than program maximum, no credit events in the past XXX-months and XXX plus years credit history. Exception downgraded to a level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes B |
| XXX | XXX | 304392902 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV 10% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML loan with established escrows and met appraisal requirements. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392902 | XXX | 10/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392902 | XXX | 10/01/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392880 | XXX | 09/24/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Please see attached MEMO | Received evidence of no affiliates. Exception resolved. ; Required Affiliated Business Disclosure Resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/24/2024 | B A |
| XXX | XXX | 304392880 | XXX | 09/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV 10% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXX | 304392880 | XXX | 09/19/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/19/2024 | A |
| XXX | XXX | 304392880 | XXX | 09/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/19/2024 | A |
| XXX | XXX | 304392878 | XXX | 10/02/2024 | Property | Missing Doc | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Financial information questions were not answered on the HOA Questionnaire. Audit is unable to determine if Condo has pending litigation. | HOA Questionnaire is not required as we have XXX condo project approval. | Explanation provided is sufficient. Exception resolved.; HOA Questionnaire Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 72.45% is less than Guideline LTV of 31.56% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/02/2024 | B A |
| XXX | XXX | 304392878 | XXX | 09/27/2024 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines require XXX months reserves for first-time homebuyers. Based on the verified assets of XXX the cash to close requirement of XXX and the XXX months reserves totaling XXX the documented assets are short XXX to meet the program requirements. | Borrower's total available assets on loan are XXX (#XXX #XXXXXX% # XXX #XXX $XXX, BoA (IRA, XXX%) $XXX). And assets available for reserves are XXX | Explanation provided is sufficient. Exception resolved.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | C A |
| XXX | XXX | 304392878 | XXX | 10/01/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | Evidence of appraisal delivery provided.; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | B A |
| XXX | XXX | 304392878 | XXX | 10/01/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | Evidence of Appraisal Delivery to the Borrower Provided.; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392878 | XXX | 09/27/2024 | Credit | Income/Employment | Borrower 1 IRS Transcripts Do Not Match Income Docs | Borrower 1 IRS Transcripts Do Not Match Income Docs The XXX IRS tax transcripts reflect no record of returns filed for B1. The XXX tax returns were utilized in the calculation of the qualifying income. Missing verification that IRS received/processed the XXX tax returns and that they match the XXX personal returns provided. | Please see attached exception form; Requested document provided | The Borrower's qualifying income was calculated utilizing the XXX and XXX tax returns. After a review of the IRS Transcript information, the IRS does not have a record of ever receiving a XXX tax return. The XXX tax return cannot be used for qualifying. However, the loan file contains a Lender approved exception allowing the file to proceed as is. The Lender identified the following compensating factors to justify the exception; residual income greater than XXX no credit events in the past XXX months, XXX years credit history, no consumer late payments in the last XXX months, XXX Borrowers on the loan, credit score great than XXX points over minimum required, reserves greater than XXX months. Exception downgraded to a level 2/B.; Document provided is the request for the transcripts, the XXX-C. The actual transcripts reflecting the income for XXX and matching those to the returns provided in the file are what is requested. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXX | 304392878 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV 10% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML not compliant as evidence of delivery of appraisal to Borrowers not in file. | Supporting document provided; Please see attached Invoice for Appraisal paid by borrower | HPML compliant, appraisal delivery provided; Exception resolved; The document provided does not confirm the borrower received a copy of the appraisal at least XXX days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392875 | XXX | 09/30/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Please see attached MEMO | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/30/2024 | B A |
| XXX | XXX | 304392875 | XXX | 09/24/2024 | Property | Property | Ineligible Property | The appraisal in the loan file reflects the subject property is less than XXX sq ft and per guidelines this is considered an inXXX property. However, the loan file contains a lender approved exception allowing loan to proceeds even though sq ft. does not meet guidelines. The lender identified the following compensating factors to justify the exception; DTI >=XXX% lower than loan program, no credit events past XXX months, credit score >XXX points than minimum required. Exception downgraded to a level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes B |
| XXX | XXX | 304392875 | XXX | 09/24/2024 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Borrower is FTHM and is required to contribute towards the purchase of the transaction. However, loan file contains a Lender approved exception allowing utilization of XXX% gift for FTHB on a primary purchase at XXX% LTV with the following compensating factors; no credit events past XXX months, XXX plus years credit history, no consumer late payments in the last XXX-months. Exception downgraded to a level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes B |
| XXX | XXX | 304392860 | XXX | 10/02/2024 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Loan file contains a structural engineer report that was provided by the XXX Association indicating several items of repair needed as subject structure condition is reflected as fair. Missing documentation that the work has been completed by an Engineering Company or City Official to confirm the condition of the subject is sound and does not post any structural/safety concerns. | Please note, that all repairs have been completed according to the e-mail confirmation from Condo Association (page XXX of the credit package). Also please refer to the special assessment approval (pages XXX-XXX) that included the repairs. | Explanation provided is sufficient. Exception resolved.; The issue with the property has been resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392860 | XXX | 09/30/2024 | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Bank Statement reflects a large, unsourced deposit of XXX on XX/XX/XXXX into the #XXX account from the #XXX. Loan file is missing verification of the #XXX account as required to source and season the assets for XXX days. | This is a business bank account. We don't need to source large deposits into business bank accounts. There's no threshold. | Explanation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% | Resolved | 09/30/2024 | D A |
| XXX | XXX | 304392860 | XXX | 10/02/2024 | Credit | Eligibility | Purchase Contract is Expired | Contract in file reflects an expiration date of XX/XX/XXXX. Loan file is missing a contract addendum extending the sales contract through the closing date of XX/XX/XXXX. | Contract addendum provided | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392860 | XXX | 10/02/2024 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Loan file is missing the bank Statement income calculation worksheet as required per guidelines. | Income Calculation provided | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% | Resolved | 10/02/2024 | D A |
| XXX | XXX | 304392860 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV 10% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392860 | XXX | 09/30/2024 | Credit | Assets | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Business bank Statements utilized for income calculation reflect XXX non-sufficient charges which is above the maximum allowable of XXX per guidelines. However, a lender approved exception was in file granting utilizing of the Statements and identified the following compensating factors to justify approval: DTI >XXX% lower than loan program, no credit events past XXX months, no mortgage late payments in the last XXX months, no consumer late payments in the last XXX months, LTV 10% below maximum and credit score > XXX points than minimum required. Exception downgraded to level 2/B. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% | Acknowledged |  | Yes B |
| XXX | XXX | 304392842 | XXX | 10/01/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Please review uploaded MEMO | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | B A |
| XXX | XXX | 304392842 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392842 | XXX | 10/01/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392842 | XXX | 09/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/24/2024 | A |
| XXX | XXX | 304392819 | XXX | 09/24/2024 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% Lender guidelines require the borrower to contribute at least XXX% of their own funds in the purchase transaction for a primary residence over XXX% LTV. Five XXX percent of the is XXX The borrower paid a XXX EMD with own funds, but received a XXX gift that was deposited into borrower's bank account and a XXX gift that was sent directly to the settlement company. The final CD reflects the total closing cost were XXX after the XXX EMD and XXX gift funds were credited. Because the borrower received XXX gift in own account, this was put towards the XXX of closing costs. Therefore, the borrower contributed XXX EMD and the remaining XXX once the XXX was factored in, for a total contribution of XXX which is less than XXX% to meet lender requirements. | Borrower does meet the XXX % contribution e had available own funds in amount of XXX based to saving XXX account | ; Explanation provided is sufficient. Borrower had more than XXX% for their own funds to put towards closing. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | C A |
| XXX | XXX | 304392819 | XXX | 09/24/2024 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Per Guidelines Section XXX, an environmental protection lien endorsement (ALTA Endorsement XXX-XXX or equivalent State form) is needed. The loan file is missing the required endorsement from the title dated XXX/XXX/XXX. | Please review uploaded final title policy | Document provided is sufficient. Exception resolved.; Title Document is fully Present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | D A |
| XXX | XXX | 304392819 | XXX | 09/27/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). An appraisal acknowledgment was provided in the file, however, it does not indicate that the borrower received or acknowledged receipt of the appraisal at least XXX days prior to consummation. | Please review uploaded proof that borrower receive the appraisal report with in XXX days prior to closing ppraisal report was signed XXX/XXX/XXX, borrower receive itXX/XX/XXXXile was closed XXX/XXX/XXX; The initial disclosure package contains a document signed by borrower named "Disclosure of right to receive a copy of appraisals" no any future acknowledgements are needed to be signed by borrower.; Please review uploaded disclosure (refer to page XXX of uploaded document) | Evidence of appraisal delivery provided.; Reg B and HPML require the borrower to receive the appraisal at least XXX days prior to consummation, while the borrower may waive that option to receive the appraisal for reg B, no waiver is allowed due to the loan being a higher priced mortgage loan. There is no evidence in file to show the borrower received the appraisal at least days prior to consummation as required by the regulation. ; Document provided does not confirm the borrower received the appraisal at least XXX days prior to consummation | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | B A |
| XXX | XXX | 304392819 | XXX | 09/27/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. An appraisal acknowledgment was provided in the file, however, it does not indicate that the borrower received or acknowledged receipt of the appraisal at least XXX days prior to consummation. | Please review uploaded proof that borrower receive the appraisal report with in XXX days prior to closing ppraisal report was signed XXX/XXX/XXX, borrower receive itXX/XX/XXXXile was closed XXX/XXX/XXX; The original condition was related to to higher priced mortgage loan which is allowed for Non-QM lease clarify what is needed ; Initial disclosure contains "Disclosure of right to receive a copy of appraisals." the package re-uploaded (see page XXX) | Evidence of Appraisal Delivery to the Borrower Provided.; HPMLs require the borrower to receive the appraisal at least XXX days prior to consummation. No waiver of right to receive the appraisal at least XXX days prior to consummation is allowed due to the loan being a higher priced mortgage loan. There is no evidence in file to show the borrower received the appraisal at least days prior to consummation as required by the regulation.; The document does not confirm the borrower received the appraisal at least XXX days prior to consummation as required by HPML | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | C A |
| XXX | XXX | 304392819 | XXX | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is not compliant due to missing evidence of receipt of appraisal at least XXX days prior to consummation. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please review uploaded proof that borrower receive the appraisal report with in XXX days prior to closing ppraisal report was signed XXX/XXX/XXX, borrower receive itXX/XX/XXXXile was closed XXX/XXX/XXX; The original condition was related to to higher priced mortgage loan which is allowed for Non-QM lease clarify what is needed ; It's XXX for Non-QM file | HPML compliant, appraisal delivery provided; Exception resolved; The loan is an HPML and in order to considered compliant and able to downgrade to an A, proof of appraisal delivery to the borrower at least XXX days prior to consummation is required. HPML is currently graded a XXX because it is non-compliant due to missing proof of appraisal delivery. ; HPML is not compliant due to missing evidence of receipt of appraisal at least XXX days prior to consummation. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | C A |
| XXX | XXX | 304392819 | XXX | 09/24/2024 | Credit | Missing Doc | Missing income documentation | Loan file is missing the XXX-month bank Statement income calculator to show the lender's income calculations for the borrower, which is required per guidelines. | Please review uploaded income WS | Document provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | D A |
| XXX | XXX | 304392819 | XXX | 09/30/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/30/2024 | A |
| XXX | XXX | 304392819 | XXX | 09/24/2024 | Credit | Assets | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Per Guidelines section XXX, the bank Statement income program States a maximum of XXX non-sufficient funds or overdraft fees allowable within XXX months. In this case, the borrower had XXX non-sufficient/overdraft charges reflected on the bank Statements provided. However, the loan file contains a lender approved exception with the following compensation factors; Residual income >$XXX, no credit events past XXX-months, XXX years credit history, no consumer late payments in the last XXX months, credit score > XXX points than minimum required. Exception downgraded to level 2/B. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392816 | XXX | 10/01/2024 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Loan file only has XXX active appraisal in file. Missing a secondary valuation report as required per guidelines. | AVM on file supports the value. AVM re-uploaded for your reference. | Document provided is sufficient. Exception resolved.; Third party valuation product provided within tolerance. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392816 | XXX | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392816 | XXX | 10/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392816 | XXX | 10/02/2024 | Property | Missing Doc | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete According to the Condo/HOA documentation in file the Approved Budget for XXX is insufficient to provide for the needed repairs, services and replacement of condo project. However, the loan file contains a lender approved exception to proceed to closing as HOA has current assessments for general repairs and confirmed there are no safety or structural issues and assessment is going to be paid in full at closing. The lender identified the following compensating factors to justify approval; no credit events in the past XXX-months, credit score >XXX points than minimum required and borrower contributions exceeds requirement >=XXX%. Exception downgraded to a level 2/B. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392791 | XXX | 09/23/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Required per guidelines within XXX days of Note Date | Pyastub was used as VOE. Please refer to page XXX of the credit package uploaded to the portal | Explanation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.56% is less than Guideline CLTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/23/2024 | D A |
| XXX | XXX | 304392791 | XXX | 09/23/2024 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Required per guidelines within XXX days of Note Date | Paystub was used as VOE. Please refer to page XXX of the credit package uploaded to the portal | Explanation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.56% is less than Guideline CLTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/23/2024 | D A |
| XXX | XXX | 304392791 | XXX | 10/01/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | LOE provided | affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.56% is less than Guideline CLTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | B A |
| XXX | XXX | 304392791 | XXX | 09/23/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline LTV of 31.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.56% is less than Guideline CLTV of 31.56% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/23/2024 | A |
| XXX | XXX | 304392776 | XXX | 09/27/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation for Homeowners insurance policy for other REO at XXX #XXX-XXX and XXX , XXX,.. | Supporting document provided | Documents provided are sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | D A |
| XXX | XXX | 304392776 | XXX | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392776 | XXX | 09/27/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392744 | XXX | 09/27/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | B A |
| XXX | XXX | 304392744 | XXX | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392744 | XXX | 09/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXX | 304392744 | XXX | 09/24/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXX | 304392717 | XXX | 09/30/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/30/2024 | B A |
| XXX | XXX | 304392717 | XXX | 09/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/30/2024 | A |
| XXX | XXX | 304392717 | XXX | 09/24/2024 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXX | 304392717 | XXX | 09/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXX | 304392716 | XXX | 09/30/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABA is missing from the loan file. | Please see attached doc | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2024 | B A |
| XXX | XXX | 304392716 | XXX | 10/02/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XXX-XXX-XXX. Missing evidence borrower received the appraisal report at least XXX business days prior to loan closing. | Please see attached doc | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or Unable to Determine | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392716 | XXX | 09/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Unable to downgrade HPML. Missing evidence borrower received the appraisal report at least XXX business days prior to loan closing. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §1026.19(e) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please see attached doc | Appraisal delivery provided; HPML compliant, Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2024 | C A |
| XXX | XXX | 304392716 | XXX | 09/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/25/2024 | A |
| XXX | XXX | 304392716 | XXX | 09/25/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/25/2024 | A |
| XXX | XXX | 304392702 | XXX | 10/01/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | Please find attached \| | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 31.56% is less than Guideline CLTV of 31.56% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 31.56% is less than Guideline CCLTV of 31.56% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/01/2024 | B A |
| XXX | XXX | 304392702 | XXX | 10/01/2024 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The tolerance violation in the amount of XXX is due to an increase in Discount Points from XXX disclosed on the Initial CD, dated XX/XX/XXXX and increased to XXX on final CD, dated XX/XX/XXXX without a valid COC or cure in file. | Please find attached COC \| | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/01/2024 | C A |
| XXX | XXX | 304392702 | XXX | 09/30/2024 | Property | Property | Property has been listed for sale in the past 6 months | After a review of the appraisal, it is evident the property was listed for sale in the last XXX months, which does not meet guideline requirements and is considered inXXX. However, the loan file contained a Lender approved exception allowing the transaction to proceed and property to be de-listed in the last XXX-months. The lender identified the following compensating factors to justify the approval of the exception: no credit events in the last XXX-months, no mortgage late payments in the last XXX-months, and no consumer late payments in the last XXX-months. Exception downgraded to a level 2/B. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392702 | XXX | 09/30/2024 | Credit | Title | Title issue | Exception in file for: Title B1/B2 has Release of lien requests on Finished work. A review of the Title Report shows liens for finished work. The guidelines State the Title must be clear of liens and impediments. However, the loan file contained a Lender approved exception allowing the release of lien requests on finished work. The Lender identified the following compensating factors to justify the approved exception to proceed with closing without an updated Title;: no credit events in the last XXX-months, no consumer late payments in the last XXX-months, and (12 CFR ##_DJ_##(ii)) below maximum. Exception downgraded to a level 2/B. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 60% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 60% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392700 | XXX | 09/30/2024 | Credit | Income/Employment | Income documentation does not meet guidelines | The lender condition approval required updated IRS wage/XXX transcripts to support borrower's work history with XXX as reflected on the Final 1003, but missing. Further, missing XXX transcripts for the borrower's XXX. | Please see response from our UW attached \| | Document provided is sufficient. Exception resolved. |  | Resolved | 09/30/2024 | C A |
| XXX | XXX | 304392700 | XXX | 09/30/2024 | Credit | Title | Title issue | Missing the E&O insurance for XXX | the E&O in the file. Please find attached. \| also please see response from our UW attached. \| \| | Document provided is sufficient. Exception resolved. |  | Resolved | 09/30/2024 | C A |
| XXX | XXX | 304392700 | XXX | 09/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in(12 CFR ##_DJ_##(ii)) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant |  | Resolved | 09/30/2024 | A |
| XXX | XXX | 304392700 | XXX | 10/04/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only |  | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392700 | XXX | 10/01/2024 | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Flood Insurance Policy Partially Provided The flood insurance in file does not meet lender guidelines as the roof coverage is no on replacement cost, but only actual cash value. However, a lender approved exception in the loan file granted approval to accept the flood insurance policy as is, and identified the following compensating factors to justify the approval; DTI >=XXX% lower than loan program, XXX plus years credit history and (12 CFR ##_DJ_##(ii)) below maximum. Exception downgraded to a level 2/B. |  |  |  | Acknowledged |  | Yes B |
| XXX | XXX | 304392690 | XXX | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in(12 CFR ##_DJ_##(ii)) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392690 | XXX | 09/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392690 | XXX | 09/27/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392687 | XXX | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in(12 CFR ##_DJ_##(ii)) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Unable to downgrade due to missing appraisal delivery. | it's a transferred appraisal from XXX. Please find attached \| XXX confirmation that: When the appraisal was uploaded on XX/XX/XXXX it was automatically sent to the borrower by email.; Please find attached \| Acknowledgement of an appraisal delivery | HPML compliant, appraisal delivery provided; Exception resolved; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not have an option to confirm which of the XXX listed was applicable. The HPML rule requires the appraisal to be received by the borrower least XXX days prior to consummation therefore they cannot waive it and documentation to show receipt of the appraisal timely is required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392687 | XXX | 10/02/2024 | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_DJ_##(ii)) ]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e) (1) (i) on or after the date on which the creditor provides the disclosures required under §1026.19(f) (1) (i). The consumer must receive a revised version of the disclosures required under §1026.19(e) (1) (i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e) (1) (i) is XXX to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Initial XX/XX/XXXX CD prior to XX/XX/XXXX revised LE. | LE XX/XX/XXXX uploaded to the loan package has not been sent to borrower \| ; We're sorry for the confusion. LE XX/XX/XXXX was added to the loan package accidentally. This document was in the junk folder as it was issued mistakenly. Please see the COC issued on XX/XX/XXXX with the initial XXX days CD dated XXX/XXX/XXX. Please disregard LE XXX/XXX. | Lender confirms the revised LE was never sent to the borrower; exception resolved; Lender confirms the revised LE was never sent to the borrower; exception resolved; Please confirm if the XX/XX/XXXX LE was provided to the borrower | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392687 | XXX | 10/02/2024 | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | This loan failed the TRID disclosure delivery date validation test he loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate revised closing disclosure is before the revised closing disclosure closing disclosure delivery date is on or before a loan estimate delivery date post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. Initial XX/XX/XXXX CD prior to XX/XX/XXXX revised LE. | LE XX/XX/XXXX uploaded to the loan package has not been sent to borrower \| ; We're sorry for the confusion. LE XX/XX/XXXX was added to the loan package accidentally. This document was in the junk folder as it was issued mistakenly. Please see the COC issued on XX/XX/XXXX with the initial XXX days CD dated XXX/XXX/XXX. Please disregard LE XXX/XXX. | Lender confirms the revised LE was never sent to the borrower; exception resolved; Lender confirms the revised LE was never sent to the borrower; exception resolved; Please confirm if the XX/XX/XXXX LE was provided to the borrower | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392687 | XXX | 09/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392687 | XXX | 09/27/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXX | 304392679 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392679 | XXX | 10/01/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392679 | XXX | 09/26/2024 | Credit | Assets | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The Borrower is required to contribute at least XXX% towards the down payment and closing costs on the subject transaction when the LTV is over XXX% The Borrower did not contribute the required XXX% However, the loan file contains a lender approved exception for not meeting the XXX% contribution. The Lender identified the following compensating factors to justify this exception: Borrower has XXX years on current job, residual income is greater than XXX years in the same line of employment, and reserves are greater than XXX months. Exception downgraded to a level 2/B. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304392672 | XXX | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392672 | XXX | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392672 | XXX | 10/02/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392662 | XXX | 10/01/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The loan file is missing the Fraud report. | Please see the Fraud Report attached. | Document provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/01/2024 | D A |
| XXX | XXX | 304392662 | XXX | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXX | 304392662 | XXX | 10/01/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392650 | XXX | 10/01/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing and required per Guidelines. Several pages are corrupt in the file. | Please see CPA Letter attached. | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | D A |
| XXX | XXX | 304392650 | XXX | 10/02/2024 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). Documentation required: Please provide evidence borrower received appraisal XXX-business days prior to consummation. | Please see Appraisal delivery letter.; Please see the Waiver regarding appraisal report. \| | Evidence of appraisal delivery provided.; The loan is considered a higher priced mortgage loan Per 1026.35(c) (6) (ii) comment XXX No waiver. Regulation B, 12 CFR 1002.14(a) (1) , allowing the consumer to waive the requirement that the appraisal copy be provided three business days before consummation, does not apply to higher-priced mortgage loans subject to § XXX(c). A consumer of a higher-priced mortgage loan subject to § XXX(c) may not waive the timing requirement to receive a copy of the appraisal under § 1026.35(c) (6) (i). | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | B A |
| XXX | XXX | 304392650 | XXX | 10/02/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. HPML is not compliant due to missing evidence of receipt of appraisal at least XXX days prior to consummation. | Please see Appraisal delivery letter.; Please see the Waiver regarding appraisal report. \| | Evidence of Appraisal Delivery to the Borrower Provided.; The loan is considered a higher priced mortgage loan Per 1026.35(c) (6) (ii) comment XXX No waiver. Regulation B,##GE##, allowing the consumer to waive the requirement that the appraisal copy be provided three business days before consummation, does not apply to higher-priced mortgage loans subject to § XXX(c). A consumer of a higher-priced mortgage loan subject to § XXX(c) may not waive the timing requirement to receive a copy of the appraisal under § 1026.35(c) (6) (i). | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392650 | XXX | 10/03/2024 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy | Hazard Insurance Policy is attached. | Document provided is sufficient. Exception resolved.; Hazard policy has replacement cost loss settlement up to coverage A amount, which is XXX with ordinance or law limit of XXX% of coverage A. Coverage is not sufficient, and an updated policy with sufficient coverage is needed, or an RCE reflecting this coverage is sufficient. Exception remains.; Hazard Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/03/2024 | D A |
| XXX | XXX | 304392650 | XXX | 10/04/2024 | Compliance | Disclosure | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is XXX) Documentation in loan file provides list of XXX Housing Authority; however, unable to determine if this list is for Homeownership Counseling Services. Please provide document with verbiage. | Please review uploaded signed initial disclosure package with reference to p.XXX with list of service providers and p.XXX with services can be shopped. | Homeownership Counseling Disclosure is provided; Exception resolved; Homeownership Counseling Disclosure Is Present or XXX (Date Creditor Received Application is XX/XX/XXXX and Occupancy is Primary Residence) | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | B A |
| XXX | XXX | 304392650 | XXX | 10/08/2024 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required | Confirmation of RCE is in the policy. \| | Hazard Insurance coverage meets guideline requirement | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | C A |
| XXX | XXX | 304392650 | XXX | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is not compliant due to missing evidence of receipt of appraisal at least XXX days prior to consummation. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please see Appraisal delivery letter.; Please see the Waiver regarding appraisal report. \| | Appraisal delivery provided; HPML compliant Exception resolved; The loan is considered a higher priced mortgage loan Per 1026.35(c) (6) (ii) comment XXX No waiver. Regulation B,##GE##, allowing the consumer to waive the requirement that the appraisal copy be provided three business days before consummation, does not apply to higher-priced mortgage loans subject to § XXX(c). A consumer of a higher-priced mortgage loan subject to § XXX(c) may not waive the timing requirement to receive a copy of the appraisal under § 1026.35(c) (6) (i). | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | C A |
| XXX | XXX | 304392650 | XXX | 10/03/2024 | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | The appraisal is for XXX, with a transfer on p. XXX | Please see the Appraisal report attached. | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/03/2024 | C A |
| XXX | XXX | 304392644 | XXX | 10/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline CLTV of 60% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CCLTV of 60% | Resolved | 10/04/2024 | A |
| XXX | XXX | 304392644 | XXX | 10/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.79% is less than Guideline LTV of 63.79% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.79% is less than Guideline CLTV of 63.79% | Resolved | 10/01/2024 | A |
| XXX | XXX | 304392644 | XXX | 10/01/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.79% is less than Guideline LTV of 63.79% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.79% is less than Guideline CLTV of 63.79% | Resolved | 10/01/2024 | A |
| XXX | XXX | 304483492 | XXX | 01/17/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). Appraisal receipt is missing from file. |  | Exception is non-material and graded as level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304483492 | XXX | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXX | 304483492 | XXX | 01/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXX | 304511404 | XXX | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.79% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.79% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXX | 304511404 | XXX | 02/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.05% is less than Guideline CCLTV of 56.05% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXX | 304638284 | XXX | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.05% is less than Guideline CCLTV of 56.05% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXX | 304638284 | XXX | 03/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.05% is less than Guideline CCLTV of 56.05% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXX | 304638284 | XXX | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 56.05% is less than Guideline CCLTV of 56.05% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXX | 304638280 | XXX | 03/10/2025 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in XXX. On XX/XX/XXXX FEMA declared XXX County as a disaster area (FEMA XXX) with XXX assistance. The required Post Disaster Inspection was not found in the loan file. | Document Uploaded. | Property Inspection Provided.; Post Disaster Condition Report provided indicates there was no disaster related damage to the subject property. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | C A |
| XXX | XXX | 304638280 | XXX | 03/10/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete The signature for Borrower 2 does not match the name typed on the Note. Borrower 2 did not sign full name. | Document Uploaded. | The Note is Present; Signature/Name Affidavit provided verifies co-borrower's signature. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | D A |
| XXX | XXX | 304638280 | XXX | 03/10/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX month bank Statements Lender income XXX Audit income XXX. Audit excluded XXX more in deposits for the month of XXX for the month of XXX, XXX in XXX, XXX in XXX and XXX in XXX. The DTI increased from XXX% to XXX%. | Document Uploaded. ; Document Uploaded. ; UW asked if Auditor can explain what deposits they excluded and why they felt they needed to be excluded. Borrower is a XXX and all deposits used were XXX, XXX and cash deposits.; UW asked for clarification on what deposits were excluded and why it was excluded. Borrower is a XXX and all deposits used were XXX, XXX and cash deposits. | Exception provided. Guideline max DTI is XXX% Approved for XXX%. Comp factors: LTV lower than XXX% Residual income of at least XXX per month, Mortgage currently IO, going to fully amortized. ; Audit has reviewed the lenders exception approval, however the DTI was updated to XXX% on XXX/XXX/XXX, exception approval is only for XXX% we apologize for the inconvenience.; Audit has reviewed the lender's rebuttal and is providing the following information: the following deposits were excluded in the Audit income calculation: XXX: Disallowed Deposits: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: XXX on XX/XX/XXXX (XXX) and XXX on XXX/XXX, XXX on XXX/XXX, XXX on XX/XX/XXXX (XXX) suggests these are from family. XXX: Disallowed Deposits: XXX on XX/XX/XXXX (XXX) suggests this is from family. XXX: Disallowed Deposits: XXX on XXX/XXX, XXX on XXX/XXX, XXX on XXX/XXX, XXX on XXX/XXX, and XXX on XX/XX/XXXX (XXX) suggests these are from family.; Audit has reviewed the lender's rebuttal and is providing the following information: XXX: Disallowed Deposits: XXX Breakdown: XXX XXX XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: XXX Breakdown: XXX XXX XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX and XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: XXX Breakdown: XXX XXX XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX (XXX) and XXX on XXX/XXX, XXX on XXX/XXX, XXX on XX/XX/XXXX (XXX) suggests these are from family XXX: Disallowed Deposits: XXX Breakdown: XXX XXX (same as lender) Audit Additional Disallowed: XXX on XX/XX/XXXX (XXX) suggests this is from family XXX: Disallowed Deposits: XXX Breakdown: XXX XXX XXX (same as lender) Audit Additional Disallowed: XXX on XXX/XXX, XXX on XXX/XXX, XXX on XXX/XXX, XXX on XXX/XXX, and XXX on XX/XX/XXXX (XXX) suggests these are from family ; Audited DTI of XXX% exceeds Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304638280 | XXX | 03/10/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | The subject Credit Report dated XX/XX/XXXX includes a credit inquiry from XX/XX/XXXX that was not addressed. The Lender Guideline States: Any credit inquiries on the borrower's credit report in the last XXX days must have documentation signed by the borrower explaining the inquiry and attestation of no new credit was established. If new credit was established borrowers must provide documentation on the current balance and payment and qualify accordingly. It is recommended the underwriter do additional diligence as necessary to ensure there is no undisclosed debt. The required documentation was not found in the loan file. | Document Uploaded. | Satisfactory letter of explanation for inquiries provided, condition resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | D A |
| XXX | XXX | 304638280 | XXX | 03/10/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(XXX CFR §1026.23(a) (3) , transferred from §2948.5) §226.23(a) (3)) , Open-end [[(XXX CFR §1026.15(a) (3) , transferred from §2948.5) §226.15(a) (3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by §2948.5) §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. Right to Cancel in file expires on XXX/XXX/XXX; however, the disbursement date on the Final CD is XXX/XXX/XXX. Disbursement cannot occur before the Right to Cancel expires. Please provide a copy of the PCCD or final settlement Statement with the correct disbursement date. | Document Uploaded. | PCCD provided; Exception resolved; PCCD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | C A |
| XXX | XXX | 304489863 | XXX | 01/17/2025 | Credit | Eligibility | ATR Risk | ATR Risk ATR risk due to missing verification of P&I payment for departure residence. | Document Uploaded. | ATR Risk Resolved; ATR Risk Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/17/2025 | C A |
| XXX | XXX | 304489863 | XXX | 01/17/2025 | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property located in a FEMA declared disaster area. Missing property inspection. | Document Uploaded. | Property Inspection Provided.; PDI provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/17/2025 | C A |
| XXX | XXX | 304489863 | XXX | 01/17/2025 | Compliance | QM-ATR | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Missing evidence of P&I payment for departure residence that was refinanced on XX/XX/XXXX with XXX. Additional conditions may apply. | Document Uploaded. Hi, I pull the Note, Insurance and Tax from XXX . Please let me know what documents you need me to pull from that Refi. | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/17/2025 | C A |
| XXX | XXX | 304489863 | XXX | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXX | 304489863 | XXX | 01/20/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements, therefore, downgraded to grade A. This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code. While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXX | 304489855 | XXX | 01/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXX | 304489855 | XXX | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXX | 304489855 | XXX | 01/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXX | 304489842 | XXX | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in §2948.5) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXX | 304489842 | XXX | 02/11/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXX | 304489842 | XXX | 02/11/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXX | 304489842 | XXX | 02/11/2025 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The borrower has been renting the property for over XXX months. VOR is on page XXX Allowed per Guidelines. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXX | 304511309 | XXX | 02/18/2025 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(XXX CFR §1026.38(o) (2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA Cure required: Cure of XXX required for underStated finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Title Services fee of XXX was not included in calculations. Per estimated HUD1 Settlement Statement in loan file, fee is a Title Processing Fee. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. | cure package provided to the borrower; exception downgraded to a 2/B; cure package provided to the borrower; exception downgraded to a 2/B | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXX | 304511309 | XXX | 02/17/2025 | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | The Loan approval is for XXX months bank Statement for income. However, the months of XXX/XXX, XX/XX/XXXX and XX/XX/XXXX were XXX. | Document Uploaded. | The lender has provided bank Statements for XXX The income has been analyzed and updated, condition resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/17/2025 | C A |
| XXX | XXX | 304511309 | XXX | 02/17/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXX | 304638209 | XXX | 03/03/2025 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(XXX CFR §1026.38(o) (2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA Cure required: Cure of XXX required. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Title Services fee of XXX were not included in finance charge calculations. The HUD1 Settlement Statement shows Title Services were for Concurrent Loan Services. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; Exception downgraded to a 2/B; PCCD provided however a cure is required when finance charges are under disclosed. The Title services was for a title - concurrent loan fee which is a prepaid finance charge and should have been included in finance charges | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Cured |  | C B |
| XXX | XXX | 304638209 | XXX | 02/27/2025 | Compliance | State Reg | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5) The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. The per diem interest amount charged on the loan exceeds the per diem interest charge or credit threshold. Final CD indicates a consummation date of XX/XX/XXXX and interest collected as of XXX/XXX/XXX. Certified HUD1 Statement in loan file shows interest collected as of XXX/XXX/XXX. Please remit PCCD and LOE. | Document Uploaded. | PCCD provided; Exception resolved; PCCD provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | C A |
| XXX | XXX | 304638209 | XXX | 02/28/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXX | 304638209 | XXX | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline CLTV of 56.05% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXX | 304638192 | XXX | 03/13/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for addition of inspection fee to Final CD without valid COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of XXX% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). | Document Uploaded. ; Document Uploaded. | PCCD provided moving title inspection fee to section C; Exception resolved; PCCD provided moving title inspection fee to section C; Exception resolved; The tolerance violation is in regards to the inspection fee paid to CCIS for XXX that was added on the final CD. The appraisal re-inspection fees for XXX had no tolerance violation. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.05% is less than Guideline LTV of 56.05% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.05% is less than Guideline CLTV of 47.65% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/13/2025 | C A |
| XXX | XXX | 304638192 | XXX | 03/12/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXX | 304638192 | XXX | 03/12/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXX | 304638178 | XXX | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXX | 304638178 | XXX | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXX | 304638178 | XXX | 03/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXX | 304655314 | XXX | 03/20/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | Evidence of eConsent is provided.; The eSigned consent disclosure is missing. The eSigned documents consent is missing. Initial loan documents eSign XXX/XXX/XXX. Provide eConsent dated on or prior to XXX/XXX/XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/20/2025 | B A |
| XXX | XXX | 304655314 | XXX | 03/20/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of 80% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the Transfer Taxes on the Initial Cd dated XXX and no COC was found in the file explaining the reason for why the fee increased. Please provide a Valid COC or Cure Package. | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure required: Cure of XXX required for increase in transfer taxes. COC dated XX/XX/XXXX indicates increase in ; however, the increased with the Revised LE issued XXX/XXX/XXX. Cure requirements include PCCD, LOE, copy of refund check, and proof of mailing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Cured |  | C B |
| XXX | XXX | 304655314 | XXX | 03/21/2025 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(XXX CFR §1026.38(o) (2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Document Uploaded. Cure package provided to the borrower; exception downgraded to a 2/B |  | Cure required: Cure of XXX required for underdisclosure of Finance charges. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Notary fee of XXX was excluded from finance charge calculations. cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Cured |  | C B |
| XXX | XXX | 304655314 | XXX | 03/20/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/20/2025 | A |
| XXX | XXX | 304655314 | XXX | 03/20/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/20/2025 | A |
| XXX | XXX | 304638093 | XXX | 02/27/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXX | 304638093 | XXX | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXX | 304638093 | XXX | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXX | 304638090 | XXX | 03/12/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. The Final 1003 reflects that the Borrower rented a residence prior to the subject transaction. A Verification of Rent was not found in the loan file. The Lender Guideline requires a twelve month rental history reflecting 0x30 for First Time Homebuyers. | Document Uploaded. attached is the Final 1003 signed. we acknowledge the error at closing and this signed 1003 is validation the borrower was made aware of the update. ; Document Uploaded. | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing; Per lender comments, both lender and borrower acknowledge the incorrect data and signed updated 1003 application provided. ; Received Rent free letter and updated 1003 un-signed. Page XXX of lender guideline States borrowers who live rent-free are not allowed if the initial 1003 reflects any rent amount listed. In this case, both the initial and Final 1003 application signed by the borrower reflect a rental amount, and does not meet the guideline requirement to allow rent- free. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/12/2025 | D A |
| XXX | XXX | 304638090 | XXX | 03/12/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Title Commitment did not include the entire Last Name of the Borrower. | Document Uploaded. | Title Document is fully Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/12/2025 | D A |
| XXX | XXX | 304638090 | XXX | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXX | 304638090 | XXX | 03/12/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXX | 304638078 | XXX | 04/11/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 is completed incorrectly current address listed is relatives address where he lived rent free. Borrower bought subject property XXX/XXX, however its not listed as the current address. | Document Uploaded. updated and attached. TY | The Final 1003 is Present; 1003 provided | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/11/2025 | D A |
| XXX | XXX | 304638078 | XXX | 04/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of 80% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HMPL Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/14/2025 | A |
| XXX | XXX | 304638078 | XXX | 04/14/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of 80% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the added Third Party Processing Fee on the CD dated XXX and no COC was found in the file explaining the reason for the added fee. Please provide a Valid COC or Cure Package. | The third party processing fee on the final CD for XXX was disclosed on every LE, and CD that was issued. It was originally in the Originations charges just listed as "processing fee". The Final CD moved it to the Services borrower did not shop for, and named it as 3rd party licensed processing fee. The fee was not a new fee. Please review. | Lender confirmed 3rd party processing fee was disclosed in section A on the initial LE; Lender confirmed 3rd party processing fee was disclosed in section A on the initial LE | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/14/2025 | C A |
| XXX | XXX | 304638078 | XXX | 04/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/11/2025 | A |
| XXX | XXX | 304638073 | XXX | 03/17/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.65% is less than Guideline CCLTV of 47.65% | Resolved | 03/17/2025 | A |
| XXX | XXX | 304638073 | XXX | 03/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.65% is less than Guideline CCLTV of 47.65% | Resolved | 03/14/2025 | A |
| XXX | XXX | 304638073 | XXX | 03/17/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline CLTV of 47.65% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 47.65% is less than Guideline CCLTV of 47.65% | Resolved | 03/17/2025 | A |
| XXX | XXX | 304638058 | XXX | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.65% is less than Guideline LTV of 47.65% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.65% is less than Guideline LTV of 64.1% | Resolved | 03/31/2025 | A |
| XXX | XXX | 304638058 | XXX | 03/31/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 64.1% is less than Guideline LTV of 64.1% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.1% is less than Guideline LTV of 64.1% | Resolved | 03/31/2025 | A |
| XXX | XXX | 304638058 | XXX | 03/31/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 64.1% is less than Guideline LTV of 64.1% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.1% is less than Guideline LTV of 64.1% | Resolved | 03/31/2025 | A |
| XXX | XXX | 304638033 | XXX | 03/18/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.1% is less than Guideline CLTV of 64.1% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.1% is less than Guideline CCLTV of 64.1% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | A |
| XXX | XXX | 304638033 | XXX | 03/18/2025 | Property | Data | No Property Findings | No Property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.09% is less than Guideline CLTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | A |
| XXX | XXX | 304638033 | XXX | 03/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.09% is less than Guideline CLTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/19/2025 | A |
| XXX | XXX | 304638021 | XXX | 03/31/2025 | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Per Guidelines, each Borrower (unless married) , must have at least three XXX tradelines reporting for a minimum of XXX months with activity in the last XXX-months, or at least two XXX tradelines reporting for a minimum of XXX-months with activity in the last XXX-months, or at least XXX revolving tradeline reporting for XXX months with activity in the last XXX months and a verified XXX-month housing history 0x30; or at least XXX installment tradeline reporting for XXX months with activity in the last XXX months and a verified XXX-month housing history 0x30. Despite these requirements, the Borrower has only one revolving tradeline that has been reporting for XXX months. Please note that the installment tradeline, which has a history of XXX months, is paid by the Co-Borrower, as documented by the bank Statements included in the loan file. | Document Uploaded. | Tradelines meet Guideline Requirements; Review of credit report indicates borrower meets tradeline requirements with XXX tradelines reporting for a minimum of XXX months. Review of credit report for co-borrower reflects XXX tradeline reported for a minimum of XXX months, non-traditional credit references were evidenced with XXX months payments of Netflix and Xfinity. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% | Resolved | 03/31/2025 | C A |
| XXX | XXX | 304638021 | XXX | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% | Resolved | 03/31/2025 | A |
| XXX | XXX | 304638021 | XXX | 03/31/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% | Resolved | 03/31/2025 | A |
| XXX | XXX | 304638015 | XXX | 03/05/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a) (XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XXX. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. | Document Uploaded. | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | B A |
| XXX | XXX | 304638015 | XXX | 03/06/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower XXX. Evidence of Appraisal Delivery to the Borrower XXX. | Document Uploaded. | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower XXX.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower XXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | C A |
| XXX | XXX | 304638015 | XXX | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan. Unable to downgrade due to missing Evidence of Appraisal receipt within XXX business days of consummation. | Document Uploaded. | Appraisal receipt provided, HPML compliant; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | C A |
| XXX | XXX | 304638015 | XXX | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXX | 304638015 | XXX | 03/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXX | 304637984 | XXX | 03/07/2025 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis A second appraisal was provided showing smoke and CO2 detectors were installed. |  | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | B A |
| XXX | XXX | 304637984 | XXX | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXX | 304637984 | XXX | 03/07/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXX | 304637984 | XXX | 03/07/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXX | 304655193 | XXX | 03/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/19/2025 | A |
| XXX | XXX | 304655193 | XXX | 03/19/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/19/2025 | A |
| XXX | XXX | 304655193 | XXX | 03/19/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/19/2025 | A |
| XXX | XXX | 304655189 | XXX | 03/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/19/2025 | A |
| XXX | XXX | 304655189 | XXX | 03/18/2025 | Credit | Data | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/18/2025 | A |
| XXX | XXX | 304655189 | XXX | 03/18/2025 | Property | Data | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/18/2025 | A |
| XXX | XXX | 304655114 | XXX | 04/16/2025 | Property | Missing Doc | Missing HOA/Condo Certification | Established Project certification missing in the loan. Please provide the established project certification for the subject property located at "XXX, XXX, XXX". | Document Uploaded. Hi, please see attached CPM from our UW. She also update the XXX to show "full review" instead of limited review. | Condo XXX results received.; The underwriting transmittal summary/XXX reflects the subject condo was approved via CPM (Condo XXX ID # XXX.) Please provide a copy of the FNMA CPM search/approval. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/16/2025 | D A |
| XXX | XXX | 304655114 | XXX | 04/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML Compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/16/2025 | A |
| XXX | XXX | 304655114 | XXX | 04/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/16/2025 | A |
| XXX | XXX | 304655092 | XXX | 04/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/07/2025 | A |
| XXX | XXX | 304655092 | XXX | 04/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/07/2025 | A |
| XXX | XXX | 304655092 | XXX | 04/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 04/07/2025 | A |
| XXX | XXX | 304694753 | XXX | 04/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/30/2025 | A |
| XXX | XXX | 304694753 | XXX | 04/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/30/2025 | A |
| XXX | XXX | 304694753 | XXX | 04/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/30/2025 | A |
| XXX | XXX | 304694729 | XXX | 04/29/2025 | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code hile the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/29/2025 | A |
| XXX | XXX | 304694729 | XXX | 04/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/29/2025 | A |
| XXX | XXX | 304694729 | XXX | 04/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/30/2025 | A |
| XXX | XXX | 304694729 | XXX | 04/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/30/2025 | A |
| XXX | XXX | 304694704 | XXX | 05/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/04/2025 | A |
| XXX | XXX | 304694704 | XXX | 05/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/04/2025 | A |
| XXX | XXX | 304694704 | XXX | 05/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 05/05/2025 | A |
| XXX | XXX | 304484835 | XXX | 12/31/2024 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Loan was approved with XXX Per Final 1003, Last Bank Statement from XXX shows only XXX not enough to cover reserves | Document Uploaded. | Received a lender exception granting approval to proceed with loan without reserves meeting program requirements. The lender identified the following compensating factors to justify approval; Low DTI, XXX/XXX% and Significant residual income. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304484835 | XXX | 01/02/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of XXX% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). | Document Uploaded. ; Document Uploaded. ; Document Uploaded. This was also in the file. ; Document Uploaded. COC States the reason is due to a change in impounds. | COC provided indicates loan type changed to cash out resulting in a change to discount points; Exception resolved; COC provided indicates loan type changed to cash out resulting in a change to discount points; Exception resolved; The document still does not provide any clarification for the reason the discount fees were increased. I am unable to tell if this was for a rate lock extension or an exception added, the lock document in file doesnt show any additional information and the reason check indicates rate lock but the loan was previously locked. ; Provide clarification on the reason for the increase in discount points, the COC indicates "other" which is not a valid reason. ; The COC provided is for the CD dated XXX/XXX, however the points increased again on the CD dated XX/XX/XXXX but the COC in file doesnt indicate a reason for the increase, it only indicates "other"; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan discount points. There is a COC in file but it only States "other" as a reason for the fee increase which not a valid reason for the increase | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/02/2025 | C A |
| XXX | XXX | 304484835 | XXX | 12/31/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | . | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/31/2024 | A |
| XXX | XXX | 304484825 | XXX | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484825 | XXX | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484825 | XXX | 12/16/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484798 | XXX | 01/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | . | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304484798 | XXX | 01/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | . | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304484798 | XXX | 01/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of XXX% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | . | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304484718 | XXX | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484718 | XXX | 12/16/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484718 | XXX | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXX | 304484705 | XXX | 01/08/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Recording Fee. COC in file does not provide a reason for increase. This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e) (3) (ii)) ]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e) (3) (ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e) (1) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e) (1) (vi). | Document Uploaded. | transfer taxes fees corrected on the PCCD; Exception resolved; transfer taxes fees corrected on the PCCD; Exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2025 | C A |
| XXX | XXX | 304484705 | XXX | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXX | 304484705 | XXX | 01/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXX | 304484678 | XXX | 12/18/2024 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX DSCR does not meet guideline minimum of XX/XX/XXXX due to the XXX Market Score of XXX does not meet the guideline minimum of XXX Therefore, unable to use XXX market revenue and using form 1007 Market Rent of XXX was used from Appraisal. No evidence of a lender exception to utilize the XXX. | Document Uploaded. | Received lender exception granting approval to utilize XXX with a market score below XXX at XXX The lender identified the following compensating factors to justify the approval; clean credit history (0x30) on all accounts (min XXX non-mtg accounts all rated for at least XXX years) , XXX months housing history reviewed with no later payments, excess reserves (XXX-months documented vs XXX-months required) , and is greater than the guideline minimum by XXX points. Lender also Stated the exception is timing accommodation - loan already approved and in process prior to guidelines update. The XXX meets occupancy rate (XXX%). | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXX | 304484678 | XXX | 12/18/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2024 | A |
| XXX | XXX | 304484678 | XXX | 12/18/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2024 | A |
| XXX | XXX | 304484655 | XXX | 01/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXX | 304484655 | XXX | 01/06/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXX | 304484655 | XXX | 01/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXX | 304484613 | XXX | 01/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of 80% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | . | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXX | 304484613 | XXX | 01/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | . | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXX | 304484613 | XXX | 01/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | . | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304484603 | XXX | 01/03/2025 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing Executed copy required. | Document Uploaded. | The Final 1003 is Present - Execute copy provided - Exception Resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/03/2025 | D A |
| XXX | XXX | 304484603 | XXX | 01/03/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Missing required signed Ability-to-Repay Notice per Loan Approval. | Document Uploaded. | Received executed ATR Notice - Exception Resolved. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/03/2025 | D A |
| XXX | XXX | 304484603 | XXX | 01/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXX | 304484603 | XXX | 01/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/06/2025 | A |
| XXX | XXX | 304484596 | XXX | 01/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | . | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304484596 | XXX | 01/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | . | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304484596 | XXX | 01/07/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | . | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXX | 304679025 | XXX | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXX | 304679025 | XXX | 03/18/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXX | 304679025 | XXX | 03/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXX | 304495523 | XXX | 02/14/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Please provide eConsent dated on or prior to XXX/XXX/XXX. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | B A |
| XXX | XXX | 304495523 | XXX | 02/13/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines, dated XXX/XXX/XXX, require XXX months reserves for the subject property. Gift funds cannot be used for reserves, therefore, the Borrower is short XXX as the Borrower only supplied XXX in personal assets. | Document Uploaded. | Exception provided for gift being used as reserves. Borrower has over XXX of own funds into the transaction and the comp factors are FICO XXX points greater than program requirement and DTI >XXX% below program requirement. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304495523 | XXX | 02/13/2025 | Credit | Eligibility | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines, dated XXX/XXX/XXX, require XXX months reserves for the subject property. Gift funds cannot be used for reserves, therefore, the Borrower is short XXX as the Borrower only supplied XXX in personal assets. | Document Uploaded. | Exception provided for gift being used as reserves. Borrower has over XXX of own funds into the transaction and the comp factors are FICO XXX points greater than program requirement and DTI >XXX% below program requirement. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes D B |
| XXX | XXX | 304495523 | XXX | 02/14/2025 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e) (3) (ii)) ]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e) (3) (ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e) (1) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e) (1) (vi). TILA 130b Cure required: Cure of XXX required for increase in Recording fees. Recording fees increased from XXX to XXX on the Final CD without COC. Cure includes PCC, LOE, and copy of refund check. Cure of XXX provided at consummation for Appraisal Desk Review. | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXX | 304495523 | XXX | 02/13/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The Initial Loan documents were eSigned on XXX/XXX/XXX. Please provide eConsent that is on or prior to XXX/XXX/XXX. | Document Uploaded. | Evidence of eConsent is provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | B A |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. We have received the private party VOR from XXX. Please provide the XXX months cancelled rent checks or bank Statements to document the checks have cleared. XXX months of checks provided, but they were not cancelled checks. The XXX check has been documented as cleared. We are missing the XXX #XXX (XXX) , XXX XXX #XXX (XXX) XXX XXX #XXX (XXX) XXX #XXX (XXX) and XXX # XXX XXX) | Document Uploaded. | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing; VOR provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | D A |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction The appraisal indicates the subject transaction is a non-arms length transaction. Please provide a signed letter of explanation from the borrower explaining their relationship with the seller. | Document Uploaded. Please see the attached correction to the appraisal. It is not a non-arm's length trans. The contract shows the seller as the XXX and the borrower does not have a relationship with the executor of the trust.; UW is looking for more clarity as to what is leading you to believe that this is NOT an arms length transaction? Please provide more information to help us find a resolution, thank you. | Purchase is considered to be an Arm's Length Transaction, or XXX; Updated Appraisal received indicating subject is an Arm's length sale. ; Appraisal, pg XXX Contract section. Non-Arms Length sale. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | C A |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Exception in file for the XXX point FICO exception to permit LTV/CLTV/HCLTV to XXX% |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception in file for the XXX point FICO exception to permit LTV/CLTV/HCLTV to XXX% |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495485 | XXX | 01/30/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% Exception in file for the XXX point FICO exception to permit LTV/CLTV/HCLTV to XXX% |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495448 | XXX | 03/13/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Removed the Contract W2 income of XXX as per lender, income was not used. Income used were XXX per the income calculator for XXX and XXX for Various W2 positions. | Document Uploaded. | Received Lender exception approved for XXX% DTI. Compensating factors; High discretionary income; FICO above the minimum by XXX points or higher. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXX | 304495448 | XXX | 02/14/2025 | Credit | Missing Doc | Missing income documentation | Missing documentation to support income derived from "Contract W2" and Lenders calculation to support income of XXX used to qualify | Document Uploaded. We've finally located where this income was feeding from. That source should have been deleted in XXX but it was not. After deleting this income from the system this increased out DTI to XXX% which is still within the ratio range for the program. Please review and provide an update, thank you.; It looks like there is a large merged file. I am unable to back into pages page XXX and page XXX Please if possible for you to send me those pages as we do not have a merged file and are unable to XXX address what is being questioned. you are referencing XXX used for contract income calculation, but based on what I am seeing we don't have any docs showing this figure in an income calculation. Everything we have shows the XXX which you have also acknowledged you have. Thank you.; Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | Reviewed lender comments and revised 1008 and 1003 application removing Contract W2 income of XXX as income was not used in loan qualification. ; Final 1003 (page146) page XXX of XXX reflects Contract W2 income of $XXX. The total of the XXX incomes of XXX as reflected on the 1003 application (XXX (XXX) + XXX (Various W2 Positions) + XXX (Contract W2) matches the borrower income of XXX used on the XXX page XXX Page XXX provides an explanation for income used, however, documentation to support the XXX income derived from the "Contract W2" and the lender's calculation of XXX used for qualification is missing Condition remains. ; Lender income worksheet received validates income calculation of XXX income used-Various W2 positions. Documentation is still needed to support the XXX income derived from the "Contract W2" and the lender's calculation of XXX used for qualification. Condition remains.; According to the XXX and Final 1003 the income used in qualification were XXX - verified per bank Statements, XXX - Various W2 positions verified per W2s in file and lender income calculation on page XXX and page XXX; XXX - Contract W2 – this income was not verified per the loan documents in file. Documentation is still needed to support the income derived from the "Contract W2" and the lender's calculation of XXX used for qualification. Condition remains.; The lender granted an exception for the missing VVOE, but documentation is still needed to support the income derived from the "Contract W2" and the lender's calculation of XXX used for qualification. Condition remains. ; The lender granted an exception for the missing VVOE, but documentation is still needed to support the income derived from the "Contract W2" and the lender's calculation of XXX used for qualification. Condition remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | D A |
| XXX | XXX | 304495448 | XXX | 02/14/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Lender exception pg XXX No VVOE for secondary income source; Comp Factors include: FICO above minimum by XXX points or higher; High discretionary income | Document Uploaded. | Lender provided exception for no VVOE for secondary income source. Borrower has XXX history of working various W2 positions, similar to XXX. A conservative average of this income was used to qualify. Because of the nature of these employment sources, a VVOE was not obtained, however the history can be demonstrated through W2s and/or paystubs over the past XXX. Compensating factors: FICO above the minimum by XXX points or higher and high discretionary income. Condition acknowledged. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes D B |
| XXX | XXX | 304495448 | XXX | 02/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXX | 304495448 | XXX | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXX | 304495445 | XXX | 02/03/2025 | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | The borrower is a C08 category on their employment authorization. The EAD has expired XXX/XXX/XXX. The I-797C has been provided documenting they have filed for an extension. Please provide the borrower's current Form I-XXX. | Document Uploaded. | Lender provided an exception approval: The borrower applied a XXX after expiration of his prior EAD and it was still in process at the time of application. We do have proof in the file that he applied for it XXX/XXX/XXX. These approval can take up to XXX mons or longer. Compensating factors: XXX months reserves greater than program requirement, FICO XXX points greater than program requirement, and DTI > XXX% below program requirement or DSCR > XXX. Condition acknowledged. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXX | 304495445 | XXX | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXX | 304495445 | XXX | 02/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXX | 304679064 | XXX | 04/15/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XXX/XXX/XXX. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/15/2025 | B A |
| XXX | XXX | 304679064 | XXX | 04/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/14/2025 | A |
| XXX | XXX | 304679064 | XXX | 04/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/14/2025 | A |
| XXX | XXX | 304495397 | XXX | 02/27/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | B A |
| XXX | XXX | 304495397 | XXX | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | A |
| XXX | XXX | 304495397 | XXX | 02/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline LTV of 29.09% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | A |
| XXX | XXX | 304495366 | XXX | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of 70% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | HPML compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXX | 304495366 | XXX | 03/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXX | 304495366 | XXX | 03/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/13/2025 | A |
| XXX | XXX | 304495360 | XXX | 02/24/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required- Please provide Affiliated Business Disclosure | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | B A |
| XXX | XXX | 304495360 | XXX | 02/24/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. The file does not contain a copy of the existing Hazard Insurance Policy. The policy in the file is the renewal policy with a start date if XXX/XXX/XXX. Please provide evidence of the Insurance policy in effect on the closing date of XXX/XXX/XXX. | Document Uploaded. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XXX-XXX-XXX. Condition resolved. Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | C A |
| XXX | XXX | 304495360 | XXX | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements inLTV of 70% §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXX | 304495360 | XXX | 02/24/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to LTV of 70% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). | Document Uploaded. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The tolerance violation is due to addition of Collateral Desktop Analysis fee on LE XXX/XXX/XXX. COC insufficient reason or lack of explanation to accept. Please provide further explanation for appraisal verification and/or why was this not known at time of origination. COC in file does not detail reason for additional fee. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | C A |
| XXX | XXX | 304495360 | XXX | 02/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXX | 304679049 | XXX | 04/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/09/2025 | A |
| XXX | XXX | 304679049 | XXX | 04/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/08/2025 | A |
| XXX | XXX | 304679049 | XXX | 04/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/08/2025 | A |
| XXX | XXX | 304679047 | XXX | 04/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/09/2025 | A |
| XXX | XXX | 304679047 | XXX | 04/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/08/2025 | A |
| XXX | XXX | 304679047 | XXX | 04/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 04/08/2025 | A |
| XXX | XXX | 304495350 | XXX | 01/30/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI XXX% vs Lender DTI XXX% result of gap report with increase in monthly payments for remaining open accounts increased by XXX AND per Final XXX Lender did not include the subject HOA of XXX per month for total of XXX not considered in their Final DTI analysis | Document Uploaded. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; ; Lender provided executed Loan Exception Approval Form for XXX% LTV exceeding XXX% max allowed with a DTI greater than XXX% and a XXX FICO score citing XXX months reserves greater than program requirement, high discretionary income, XXX years in current job, and VOR 0x30 in XXX months (checks for private) as compensating factors. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/30/2025 | C A |
| XXX | XXX | 304495350 | XXX | 01/31/2025 | Credit | Eligibility | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX UW used B2 mid score of XXX as primary wage earner to qualify, however B1 is primary wage earner. | Document Uploaded. | Lender provided executed Loan Exception Approval Form for XXX% LTV exceeding XXX% max allowed with a DTI greater than XXX% and a XXX FICO score citing XXX months reserves greater than program requirement, high discretionary income, XXX years in current job, and VOR 0x30 in XXX months (checks for private) as compensating factors. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXX | 304495350 | XXX | 01/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXX | 304495350 | XXX | 01/30/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 70% exceeds Guideline LTV of 65% Exception approved, Pg XXX to use XXX credit score with max LTV allowed up to XXX% Comp Factors include: XXX; XXX yrs on job; 0x30 in prior XXX months; savings of XXX per month. XXX months reserves required and verified. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495350 | XXX | 01/30/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 70% exceeds Guideline HCLTV of 65% Exception approved, Pg XXX to use XXX credit score with max LTV allowed up to XXX% Comp Factors include: XXX; XXX yrs on job; 0x30 in prior XXX months; savings of XXX per month. XXX months reserves required and verified. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495350 | XXX | 01/30/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 70% exceeds Guideline CLTV of 65% Exception approved, Pg XXX to use XXX credit score with max LTV allowed up to XXX% Comp Factors include: XXX; XXX yrs on job; 0x30 in prior XXX months; savings of XXX per month. XXX months reserves required and verified. |  |  | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | No B |
| XXX | XXX | 304495347 | XXX | 03/05/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap report within XXX days of closing is missing | Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Undisclosed debt monitoring report dated within XXX days of closing received. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 29.09% is less than Guideline CLTV of 29.09% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.09% is less than Guideline CCLTV of 29.09% | Resolved | 03/05/2025 | D A |
| XXX | XXX | 304495347 | XXX | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated ##HT## is less than Guideline ##HT## \| Original CLTV is Below the Guideline Maximum - Calculated C##HT## is less than Guideline C##HT## | Resolved | 03/05/2025 | A |
| XXX | XXX | 304495347 | XXX | 03/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated ##HT## is less than Guideline ##HT## \| Original CLTV is Below the Guideline Maximum - Calculated C##HT## is less than Guideline C##HT## | Resolved | 03/05/2025 | A |
| XXX | XXX | 304495327 | XXX | 02/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in(12 CFR ##_DH_##(ii)) §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML escrow established, appraisal requirement met |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXX | 304495327 | XXX | 02/27/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required: Please remit the Initial and any subsequent CD's for testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(ii)) ]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f) (1) (i) no later than three business days before consummation. | Document Uploaded. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | C A |
| XXX | XXX | 304495327 | XXX | 02/27/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Documentation required: Please remit the Initial and any subsequent CD's for testing. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##GD## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). | uploaded | initial CD and cure provided on final CD; Exception resolved; initial CD and cure provided on final CD; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/27/2025 | C A |
| XXX | XXX | 304495327 | XXX | 02/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXX | 304495327 | XXX | 02/26/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender Exception page XXX Private XXX Verification of rent verifies the rental history, but the LOE in the file indicates that all payments with the exception of XXX have been made in cash. A lender exception for XXX months cancelled checks has been granted. Compensating factors include: DTI > than XXX% below program requirements and XXX years in current job. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Acknowledged |  | Yes B |
| XXX | XXX | 304495315 | XXX | 02/25/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Initial loan documents eSigned on XXX/XXX/XXX. Please provide eConsent dated on or prior to XXX/XXX/XXX. | Document Uploaded. ; Document Uploaded. | Evidence of eConsent is provided.; Document provided is not sufficient for e-consent | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/25/2025 | B A |
| XXX | XXX | 304495315 | XXX | 02/25/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##GD## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). TILA 130b Cure Required Refund in the amount of XXX Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC. The Zero tolerance violation is due to the increase in Discount Points and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure Package. | Document Uploaded. ; Please can you review again, the cure for XXX cent is provided on the CD. ; Document Uploaded. ; Document Uploaded. | Cure package provided to the borrower; Exception downgraded to a 2/B; PCCD provided; remaining cure package required: Copy of check or proof principal reduction required and LOE sent to borrower; A lock is not a valid reason for the verification fee to increase, it was originally disclosed at XXX then redisclosed at XXX without a valid COC. The final CD shows a XXX final amount resulting in a cure amount of XXX required; Cure amount updated to $.XXX. The Verification of SSN/taxpayer ID went from XXX to XXX on the revised LE and back to XXX on the final CD, however the COC for rate lock does not indicate a reason for the increase and the additional XXX is outside of the allowed rounding up to $.XXX; This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e) (3) (i) he loan contains charges that exceed the good faith determination according to §1026.19(e) (3) (i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to ##GE## is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e) (1) (i). | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Cured |  | C B |
| XXX | XXX | 304495315 | XXX | 02/25/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[##GD##]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public XXXs) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f) (1) (i) no later than three business days before consummation. Documentation Required: The file is missing the Initial CD | Document Uploaded. | initial CD provided; Exception resolved; initial CD provided; Exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/25/2025 | C A |
| XXX | XXX | 304495315 | XXX | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXX | 304495315 | XXX | 02/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXX | 304495305 | XXX | 03/27/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Initial loan documents eSigned XXX/XXX/XXX. Provide eConsent dated on or before XXX/XXX/XXX. | Document Uploaded. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/27/2025 | B A |
| XXX | XXX | 304495305 | XXX | 03/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a) (1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in##GD## §1026.35, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/28/2025 | A |
| XXX | XXX | 304495305 | XXX | 03/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/27/2025 | A |
| XXX | XXX | 304495305 | XXX | 03/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Resolved | 03/27/2025 | A |
| XXX | XXX | 304669295 | XXX | 03/14/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated XXX/XXX/XXX. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | B A |
| XXX | XXX | 304669295 | XXX | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXX | 304669295 | XXX | 03/14/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | A |
| XXX | XXX | 304679012 | XXX | 04/01/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/01/2025 | B A |
| XXX | XXX | 304679012 | XXX | 04/02/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report as required by guidelines, dated XXX/XXX/XXX. | Our guides read the gap is required within XXX days of note date and do not specify a PC gap as inXXX. please waive. ; Document Uploaded. | Borrower 1 Gap Credit Report is not missing.; Review comments and lender guidelines – credit report provided is dated within XXX days of closing.; Gap credit report received is dated post close XXX/XXX/XXX, loan closed XXX/XXX/XXX. A credit refresh or undisclosed debt monitoring report dated within XXX days of closing is missing as required per lender guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/02/2025 | D A |
| XXX | XXX | 304679012 | XXX | 04/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 04/02/2025 | A |

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## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.19**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304255435 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304366969 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304384009 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304401278 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304429133 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459090 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304398717 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304420786 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304405537 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304417164 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304428739 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459057 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459064 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459055 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304442679 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459383 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304436478 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304432901 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459422 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304458254 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304441464 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304415838 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304437368 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304462075 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304470415 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304472768 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304470748 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459158 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304477324 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304481444 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304477042 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304480995 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304472313 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304470708 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304487628 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304481333 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304481332 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304472319 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492384 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511438 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492776 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641269 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632715 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632123 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632536 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632871 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304496634 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304496640 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304592814 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637819 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304634489 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641761 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304497385 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304486399 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636598 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640370 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632867 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304613738 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304613735 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304635605 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640557 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641762 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643296 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640057 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304613741 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304592808 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676894 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304416450 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304426321 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459238 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492489 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511193 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304635016 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304494312 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304487912 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511005 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637124 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638461 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636634 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643437 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640403 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304498520 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637584 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640062 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642482 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640061 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304639803 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641625 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636343 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642358 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640371 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640056 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304654794 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641869 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304572234 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636576 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304592805 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663728 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642591 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641647 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304654796 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640394 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636579 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671504 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632709 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642491 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641750 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641752 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663314 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632092 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640388 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304634460 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663411 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304665119 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663413 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641766 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304644208 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642807 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638653 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641134 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641137 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304644210 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642599 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641283 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304654802 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663729 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304644125 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304639807 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304510895 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671461 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632874 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304654799 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667882 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667879 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643030 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304635614 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667718 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640043 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641158 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676732 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304666732 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642466 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676067 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641751 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304666833 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642485 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304665280 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671356 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643286 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304672320 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643026 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637813 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643025 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304674609 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667865 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677773 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304654681 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669795 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678271 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677117 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677883 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304632095 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677115 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676146 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304670823 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671594 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643019 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678286 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678017 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671368 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304664571 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641142 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304665082 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304484539 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678085 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304674602 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640405 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678287 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677844 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671649 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304668971 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492622 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681144 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677366 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304666832 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678082 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677761 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669804 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676910 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679176 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681725 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678940 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681049 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304664492 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682194 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304680586 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679579 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677770 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678267 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681754 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677884 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681199 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669792 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678361 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677290 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678947 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304674592 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685817 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304680591 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681050 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676143 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663298 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681142 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677279 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679242 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667880 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686623 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304666721 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679603 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643364 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685689 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677880 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682015 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685242 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304687282 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679571 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685688 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304687189 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678348 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304673630 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679503 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304684791 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663310 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685958 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669806 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667854 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681130 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304665087 | XXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677843 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685436 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667857 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304683346 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685838 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304679501 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304684785 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643367 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685839 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685872 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667720 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643112 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693496 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694185 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693399 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304683300 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676845 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692187 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677293 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685879 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685235 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693491 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685824 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692572 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643302 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695085 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692571 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304639893 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688494 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304683345 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686598 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686693 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694867 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688487 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692201 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681712 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688666 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677760 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682090 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686599 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691460 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685302 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304674608 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667871 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695783 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304672361 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682100 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682080 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682092 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695424 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304461023 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304487588 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667981 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304672410 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304682182 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640369 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678117 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304663365 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671350 | XXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304640031 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304642816 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304643349 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685856 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678716 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693614 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304676091 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692482 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304667867 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686627 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688548 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691550 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692677 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678077 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691541 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693502 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678288 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685813 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693408 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693731 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677278 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686618 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693490 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692693 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304680961 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678967 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304697058 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694176 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694186 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693868 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699528 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700947 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692675 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695782 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304698390 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688307 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693867 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693872 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685679 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693728 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685683 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692678 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692474 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692184 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304683307 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700921 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304686600 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699143 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694184 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693876 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693629 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304680960 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688665 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681707 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685307 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700215 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693631 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685680 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699135 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304695786 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691447 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700938 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692475 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693404 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693487 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685845 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700211 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688302 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700945 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692689 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693622 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304677765 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691269 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693729 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692700 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304702444 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304678266 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694110 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700224 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699516 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694291 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700930 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691474 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693845 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693859 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693395 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694289 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304697122 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304702043 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304696950 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304707915 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304702605 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693722 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304705043 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304688550 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304671636 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694967 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304699134 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694868 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694174 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693843 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704929 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304702377 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304708756 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304704517 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700221 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304693857 | XXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304700219 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304367846 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637741 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304510618 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637762 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495536 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495457 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495494 | XXX D B A | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304405242 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304405233 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304405227 | XXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304454336 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694540 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511318 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638233 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511240 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511241 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638204 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511204 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638248 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638189 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638143 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669776 | XXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511235 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655348 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511251 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304637992 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655057 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638109 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655055 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655170 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655351 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638141 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655222 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681803 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638035 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669768 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304669766 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681802 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304655196 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304477599 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304691968 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694750 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304681806 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694688 | XXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694759 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694606 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304694783 | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304484876 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304484875 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304392951 | XXX D A | B | A C D | B | A C D | B | A C D | B | A C D | B | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392923 | XXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392916 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392913 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392906 | XXX C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392902 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392880 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392878 | XXX C B | C | A B C | C | A B C | C | A B C | C | A B C | C | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392875 | XXX B | B | A B | B | A B | B | A B | B | A B | B | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392860 | XXX D B | A | A C D B | A | A C D B | A | A C D B | A | A C D B | A | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392842 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392819 | XXX D B | C | A D B | C | A D B | C | A D B | C | A D B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392816 | XXX C B A | A | A C B | A | A C B | A | A C B | A | A C B | A | A C B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392791 | XXX D A | B | A D | B | A D | B | A D | B | A D | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392776 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392744 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392717 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392716 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392702 | XXX C B | C | A B C | C | A B C | C | A B C | C | A B C | C | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392700 | XXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392690 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392687 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392679 | XXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392672 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392662 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392650 | XXX D A | C | A C D | C | A C D | C | A C D | C | A C D | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304392644 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304483492 | XXX B A | B | B A | B | B A | B | B A | B | B A | B | B A | QM: Safe Harbor APOR (APOR SH) | Non-QM: Lender documented all ATR UW factors |
| 304511404 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304638284 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638280 | XXX D B | C | A C D B | C | A C D B | C | A C D B | C | A C D B | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304489863 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304489855 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304489842 | XXX B | A | A B | A | A B | A | A B | A | A B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304511309 | XXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638209 | XXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638192 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638178 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655314 | XXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638093 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638090 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638078 | XXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638073 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638058 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638033 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638021 | XXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304638015 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304637984 | XXX B A | A | A B | A | A B | A | A B | A | A B | A | A B | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655193 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655189 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655114 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A D | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304655092 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694753 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694729 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304694704 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304484835 | XXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484825 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484798 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484718 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484705 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484678 | XXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304484655 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304484613 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484603 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304484596 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304679025 | XXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304495523 | XXX D B | C | B A D | C | B A D | C | B A D | C | B A D | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495485 | XXX D B | B | A D B | B | A D B | B | A D B | B | A D B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495448 | XXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495445 | XXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679064 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495397 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495366 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495360 | XXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679049 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679047 | XXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495350 | XXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495347 | XXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495327 | XXX C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495315 | XXX C B A | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495305 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304669295 | XXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304679012 | XXX D A | B | A D | B | A D | B | A D | B | A D | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304255435 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304366969 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 37.38% | 37.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.80% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304384009 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 10.70% |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304401278 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 51.30% | 51.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.61% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 71A |  |  | Not Eligible | N/A |  |
| 304429133 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 56.68% | 56.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.50% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459090 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304398717 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 4.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304420786 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 1073 |  |  | Eligible | 1 |  |
| 304405537 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.16% | 67.16% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.81% | 0.96 | 0.04 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304417164 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 9.20% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304428739 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 30.41% | 30.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304459057 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459064 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 66.41% | 66.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459055 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.69% | 63.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304442679 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.95% | 65.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304459383 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304436478 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.85% | 69.85% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.95% | 0.95 | 0.05 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304432901 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 48.78% | 48.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304459422 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304458254 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304441464 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304415838 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.16% | 63.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304437368 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.52% | 74.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304462075 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 29.52% | 29.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304470415 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.61% | 60.61% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304472768 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 40.69% | 40.69% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.16% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304470748 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304459158 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 69.96% | 69.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304477324 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304481444 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304477042 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304480995 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 38.07% | 38.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304472313 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304470708 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304487628 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 34.09% | 34.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304481333 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304481332 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304472319 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304492384 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 46.79% | 46.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304511438 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.46% | 65.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304492776 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304641269 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304632715 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.76% | 62.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304632123 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304632536 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.9 |  |
| 304632871 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 73.81% | 73.81% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304496634 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.1 |  |
| 304496640 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304592814 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304637819 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 31.82% | 31.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304634489 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304641761 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304497385 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304486399 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304636598 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304640370 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304632867 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.85% | 53.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304613738 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.29% | 74.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304613735 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304635605 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640557 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.18% | 59.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304641762 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304643296 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.99% | 69.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304640057 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304613741 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 22.73% | 22.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304592808 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.96% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304676894 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304416450 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.99% | 63.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304426321 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.38% | 78.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304459238 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304492489 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304511193 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.58% | 74.58% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304635016 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304494312 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 73.08% | 73.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304487912 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.18% | 63.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304511005 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 33.38% | 33.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304637124 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.16% | 65.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304638461 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 57.14% | 57.14% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304636634 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304643437 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 12.68% | 0.99 | 0.01 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640403 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304498520 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 71A |  |  | Not Eligible | N/A |  |
| 304637584 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 58.31% | 58.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 24.44% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640062 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.2 |  |
| 304642482 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304640061 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304639803 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.68% | 53.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304641625 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 76.77% | 76.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304636343 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304642358 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 42.50% | 42.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640371 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.34% | 60.34% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304640056 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304654794 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304641869 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304572234 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 40.00% | 40.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304636576 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304592805 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304663728 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 45.92% | 45.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304642591 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304641647 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 29.41% | 29.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304654796 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304640394 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304636579 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.91% | 65.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304671504 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 10.10% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304632709 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304642491 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304641750 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304641752 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 22.88% | 22.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304663314 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 36.19% | 36.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304632092 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 52.98% | 52.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640388 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304634460 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304663411 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304665119 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304663413 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.22% | 63.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304641766 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304644208 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304642807 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304638653 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 10.34% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304641134 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 28.55% | 28.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.5 |  |
| 304641137 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 30.70% | 30.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304644210 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 52.18% | 52.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304642599 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304641283 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 30.43% | 30.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304654802 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 20.49% | 20.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304663729 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304644125 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304639807 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.02% | 67.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304510895 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304671461 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304632874 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304654799 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 53.85% | 53.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304667882 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304667879 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 57.47% | 57.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304643030 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 42.86% | 42.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304635614 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304667718 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.15% | 69.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304640043 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304641158 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304676732 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 9.17% | 9.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304666732 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.31% | 67.31% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304642466 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304676067 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304641751 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304666833 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 46.51% | 46.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304642485 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304665280 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304671356 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304643286 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304672320 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2 |  |
| 304643026 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 68.99% | 68.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304637813 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304643025 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304674609 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304667865 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 74.56% | 74.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677773 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304654681 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.48% | 43.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.14% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304669795 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678271 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304677117 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304677883 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 35.79% | 35.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304632095 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304677115 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.72% | 69.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304676146 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304670823 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304671594 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304643019 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.46% | 47.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304678286 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304678017 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304671368 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304664571 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304641142 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 58.46% | 58.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304665082 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.94% | 59.94% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304484539 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304678085 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304674602 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304640405 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678287 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677844 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304671649 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 62.50% | 62.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304668971 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 40.00% | 40.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304492622 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.56% | 64.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304681144 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677366 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304666832 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304678082 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677761 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304669804 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -9.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304676910 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 65.79% | 65.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.61% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304679176 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304681725 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.29% | 65.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304678940 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304681049 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304664492 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 51.52% | 51.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304682194 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304680586 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.54% | 71.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304679579 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304677770 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.88% | 54.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678267 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 41.82% | 41.82% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681754 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304677884 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304681199 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304669792 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304678361 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 48.28% | 48.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677290 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678947 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304674592 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685817 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304680591 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304681050 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 46.75% | 46.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304676143 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 69.95% | 69.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304663298 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681142 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.50% | 62.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677279 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.62% | 54.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304679242 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.58% | 0.92 | 0.08 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304667880 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304686623 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304666721 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304679603 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304643364 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 48.57% | 48.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685689 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.80% | 72.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677880 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304682015 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 68.63% | 68.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304685242 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304687282 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.77% | 0.94 | 0.06 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304679571 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.15% | 71.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304685688 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304687189 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678348 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.02% | 66.02% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304673630 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.63% | 72.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304679503 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 56.71% | 56.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304684791 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304663310 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304685958 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304669806 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.97% | 54.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304667854 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.07% | 67.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681130 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304665087 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.83% | 64.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304677843 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304685436 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.13% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304667857 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.65% | 59.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304683346 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685838 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 50.63% | 50.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304679501 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 11.26% | 11.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304684785 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304643367 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.42% | 59.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685839 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 37.50% | 37.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304685872 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304667720 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2 |  |
| 304643112 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.47% | 59.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693496 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304694185 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693399 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 31.53% | 31.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304683300 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.1 |  |
| 304676845 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.13% | 63.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692187 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304677293 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685879 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304685235 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693491 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685824 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304692572 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304643302 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.78% | 54.78% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.58% | 0.98 | 0.02 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304695085 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304692571 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304639893 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.19% | 62.19% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.5 |  |
| 304688494 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304683345 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.5 |  |
| 304686598 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 44.68% | 44.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304686693 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694867 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304688487 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.86% | 79.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.4 |  |
| 304692201 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681712 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304688666 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2 |  |
| 304677760 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304682090 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304686599 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304691460 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 30.30% | 30.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304685302 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304674608 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 40.88% | 40.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304667871 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304695783 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 63.49% | 63.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304672361 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.43% | 57.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304682100 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304682080 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.15% | 53.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304682092 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304695424 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304461023 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.34% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304487588 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.93% | 0.96 | 0.04 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304667981 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 59.68% | 59.68% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304672410 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.39% | 50.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304682182 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.71% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640369 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.97% | 66.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304678117 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71B | XXX | 54.55% | 54.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304663365 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.23% | 67.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304671350 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 65.12% | 65.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304640031 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 51.72% | 51.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304642816 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.79% | 66.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304643349 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.19% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685856 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Narrative | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.81% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304678716 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 28.41% | 28.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693614 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304676091 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304692482 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304667867 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304686627 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.14% | 57.14% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.44% | 0.96 | 0.04 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304688548 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304691550 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692677 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304678077 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.15% | 62.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304691541 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.70% | 47.70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693502 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678288 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685813 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 43.41% | 43.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693408 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.33% | 73.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304693731 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 23.35% | 23.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304677278 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304686618 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.63% | 79.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693490 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692693 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304680961 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304678967 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304697058 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.44% | 69.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304694176 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.12% | 75.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694186 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304693868 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.76% | 59.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304699528 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.47% | 73.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304700947 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304692675 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 25.18% | 25.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304695782 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304698390 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304688307 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304693867 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304693872 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 56.40% | 56.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304685679 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 55.21% | 55.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693728 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 54.00% | 54.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685683 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.92% | 57.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304692678 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.05% | 50.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692474 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.92% | 57.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304692184 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304683307 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 51.63% | 51.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304700921 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 51.44% | 51.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304686600 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.4 |  |
| 304699143 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304694184 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304693876 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.54% | 0.91 | 0.09 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304693629 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.74% | 53.74% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.51% | 0.92 | 0.08 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304680960 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304688665 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304681707 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 72.79% | 72.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304685307 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.50% | 64.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700215 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 71.84% | 71.84% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.65% | 0.93 | 0.07 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693631 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685680 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.92% | 57.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304699135 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 41.18% | 41.18% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.45% | 0.93 | 0.07 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304695786 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 42.16% | 42.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.72% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 304691447 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700938 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 42.22% | 42.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692475 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.92% | 57.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693404 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693487 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 40.51% | 40.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685845 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304700211 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304688302 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 42.86% | 42.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304700945 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304692689 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.65% | 50.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693622 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.32% | 66.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304677765 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 71.92% | 71.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304691269 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 49.23% | 49.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693729 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 39.99% | 39.99% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304692700 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 66.07% | 66.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304702444 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 53.76% | 53.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304678266 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 47.50% | 47.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.98% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304694110 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 33.16% | 33.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304700224 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.86% | 66.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304699516 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 61.65% | 61.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304694291 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304700930 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.24% | 64.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304691474 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693845 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693859 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.21% | 47.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693395 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694289 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.00% | 67.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304697122 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304702043 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 58.86% | 58.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304696950 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304707915 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 18.30% | 18.30% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304702605 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304693722 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304705043 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 71.87% | 71.87% |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 18.95% | 0.93 | 0.07 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304688550 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 25.00% | 25.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304671636 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304694967 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304699134 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.25% | 59.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694868 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 29.05% | 29.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304694174 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.6 |  |
| 304693843 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 52.33% | 52.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304704929 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 49.50% | 49.50% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304702377 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304708756 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.11% | 69.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304704517 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304700221 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304693857 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.28% | 47.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304700219 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 33.62% | 33.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304367846 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 61.11% | 61.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304637741 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304510618 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304637762 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304495536 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304495457 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304495494 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1073 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304405242 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304405233 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304405227 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.58% | 70.58% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304454336 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304694540 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.50% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304511318 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304638233 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304511240 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.57% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304511241 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638204 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.51% | 73.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304511204 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638248 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304638189 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638143 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304669776 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 64.29% | 64.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 68.57% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | 68.57% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304511235 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304655348 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.97% | 68.97% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304511251 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304637992 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304655057 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.29% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638109 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304655055 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304655170 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304655351 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 67.25% | 67.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638141 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304655222 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.98% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304681803 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.27% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304638035 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 8.77% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304669768 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304669766 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304681802 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.74% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304655196 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304477599 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71B | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | Form 71A |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304691968 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304694750 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304681806 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 71A | XXX | 70.35% | 70.35% |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304694688 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304694759 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.29% | 74.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304694606 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.80% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304694783 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX |  | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.86% | 62.86% |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XXX | XXX | -6.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304484876 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304484875 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392951 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 61.35 | 61.35 | XXX | XXX | -.0179 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0179 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392923 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392916 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304392913 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392906 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304392902 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392880 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | -.0297 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0297 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 304392878 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 72.45 | 89.99 | XXX | XXX | .0171 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | .0171 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304392875 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 | XXX | XXX | -.0563 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0563 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 304392860 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304392842 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304392819 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392816 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 | XXX | XXX | .0285 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | .0285 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304392791 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 | XXX | XXX | .0684 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | .0684 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 304392776 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304392744 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392717 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 304392716 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.0 | 85.0 | XXX | XXX | -.0067 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0067 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392702 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 31.56 | 31.56 | XXX | XXX | -.0900 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0900 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304392700 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 74.75 | 74.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392690 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | -.0491 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0491 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 304392687 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | -.0140 | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0140 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304392679 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304392672 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304392662 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304392650 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304392644 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304483492 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304511404 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  | XXX | 0 | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304638284 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.79 | 63.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304638280 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.21 | 74.21 |  |  |  |  | XXX | 0 | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304489863 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304489855 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304489842 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304511309 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304638209 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638192 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 56.05 | 56.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638178 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304655314 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 75.0 | 75.0 |  |  |  |  | XXX | -75000 | -.0769 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0769 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304638093 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638090 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638078 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304638073 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304638058 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 47.65 | 47.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638033 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.1 | 64.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304638021 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304638015 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304637984 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304655193 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304655189 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 84.62 | 84.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304655114 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 304655092 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.13 | 74.13 |  |  |  |  | XXX | 0 | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 304694753 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 304694729 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | -.0114 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0114 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 304694704 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304484835 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.82 | 61.82 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304484825 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  | XXX | 0 | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 304484798 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.5 | 73.5 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304484718 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.83 | 73.83 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304484705 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304484678 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304484655 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80.0 | 80.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304484613 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304484603 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304484596 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304679025 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.91 | 70.91 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304495523 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 66.86 | 66.86 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304495485 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304495448 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304495445 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304679064 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 72.33 | 72.33 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304495397 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.0 | 65.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304495366 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 304495360 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304679049 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304679047 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304495350 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304495347 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 29.09 | 29.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304495327 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304495315 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304495305 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304669295 | XXX | XXX | XX/XX/XXXX | $XXXXXX |  | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304679012 | XXX | XXX | XX/XX/XXXX | $XXXXXX | XXX | 0 | XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |

---

## Exhibit 99.21

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, JPMorgan Chase Bank, N.A. ("Client"). The review included a total of 2 newly originated residential mortgage loans, in connection with the securitization identified as JPMMT 2025-NQM3 (the "Securitization"). The review began on October 17, 2018, and concluded on January 9, 2019.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

![](ex9921001.jpg)

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to $66,156
 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than $66,156.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home1 with a loan amount
 equal to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 $110,260.

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

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

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

○ The monthly DTI or residual income.

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

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

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the

![](ex9921001.jpg)

standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9921001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition
 or better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Digital Risk will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Conforming
 Loan population – Additional valuation product was not required when the CU score
 provided was below 2.5. In the event the CU score was equal to or greater than 2.5, an
 additional

![](ex9921001.jpg)

valuation product was reviewed to confirm value was supported within 10% tolerance. In some instances, CDA's were provided in the loan file and reviewed on loans that had an acceptable CU score based on guidance from the seller.

Digital Risk applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product that was also provided by the client.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1365000.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 6/20/2025 |  |  |  |  |  |
| **Loan Count:** | 2 |  |  |  |  |  |
| **Audit ID** | **Customer Loan Number** | **SellerLoanID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | 301035827 | XXXX | XXXX | Loan Purpose | Rate/Term Refinance -- Borrower initiated | Cash Out: Other/Multipurpose/Unknown purpose |
| XXXX | 301035827 | XXXX | XXXX | Note Date | XXXX | XXXX |
| XXXX | 301132226 | XXXX | XXXX | Note Date | XXXX | XXXX |

---

## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.23**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SellerLoanID** | **Customer Loan Number** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 301035827 | XXXX | XX/XX/XXXX | XXXX | QM Safe Harbor | ATR Compliant | **(Clear) Missing HOC Disclosure- <br>The file contains no evidence that the Homeownership Counseling Disclosure was provided to the consumer.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> The provided documentation is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) Reserve Assets- <br>A retirement account with XXXX has been used for reserves. The file does not contain terms of withdrawal for the account. Excluding retirement account; borrowers would be $XXXX short reserves. Please provide.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) LDP/EPL- <br>The file does not contain a Fraud Tool verifying all Loan Participants were checked across OFAC, Freddie Exclusionary, LDP, and SAM lists. Please provide.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Miscellaneous- <br>A 1008 signed by the underwriter is missingfrom the loan file. Please provide.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal was performed by appropriately licensed appraiser- <br>The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contains a CDA supporting the opinion of value in the origination appraisal report.<br>**  | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 301132226 | XXXX | XX/XX/XXXX | XXXX | QM Safe Harbor | ATR Compliant | **(Clear) TRID - 10% Tolerance Violation Not Cured- <br>This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXX) exceed the comparable charges ($XXXX) by more than 10%. There is no evidence of a valid change of circumstance provided in the loan file. Therefore, the increase to the Recording Fee was not accepted. Violation may be cured with a LOE, corrected PCCD, copy of the refund, and proof of delivery, 60 days from discovery. A cost to cure in the amount of $XXXX is required.<br>Response 1 (XX/XX/XXXX XX:XXAM)<br> Seller researching<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> The provided documentation is sufficient to cure the finding. (Resolved)<br>**  | **(Clear) VVOE required- <br>A VVOE is required within 10 days of Note date XX/XX/XXXX. No VVOE is in evidence in the file. Written VOE XX/XX/XXXX greater than 10 days from Note date. Please provide current VVOE.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal was performed by appropriately licensed appraiser- <br>The appraisal under review was performed and completed by an appropriately licensed appraiser. CDA supports the original appraised value.<br>**  | 3 | 1 | 2 | 1 | 3 | 1 | 1 | 1 C A B |

---

## Exhibit 99.24

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.24**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SellerLoanID** | **Customer Loan Number** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 301035827 | XXXX | 3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 C A B |
| XXXX | 301132226 | XXXX | 3 | 1 | 2 | 1 | 3 | 1 | 1 | 1 C A B |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 301035827 | XXXX | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 301132226 | XXXX | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.26**

Executive Summary

**Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from March 2025 to May 2025 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 21 loans selected by the Client to include in JPMMT 2025-NQM3 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 21 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was
 the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does
 the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does
 the appraisal indicate the appraiser's license or certification, number and expiration
 date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does
 the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the
 appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is
 a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does
 the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does
 the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does
 the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does
 the appraisal clearly identify the real estate being appraised?

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does
 the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does
 the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was
 the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which
 of the industry recognized methods of valuation were included that may have been utilized
 to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct
 Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 any of these approaches have been omitted or excluded, is there sufficient explanation
 provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review (the "TRID Review"). The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the twenty-one (21) business purpose loans, no TRID compliance testing was completed. A compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43% or Temp QM

● Application Dates of 1/10/2014 to 2/28/2021

● Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

● Application Dates of 3/1/2021 to 6/30/2021

● Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

● Application Dates of 7/1/2021 to 9/30/2022

● APR/APOR threshold testing

● Application Dates on or after 10/1/2022\*

○ Subject to any guidance updates from regulators

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS, as applicable

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 4

determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (v) The consumer's monthly payment for mortgage-related obligations;

● (vi) The consumer's current debt obligations, alimony, and child support;

● (vii) The consumer's monthly debt-to-income ratio or residual income in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

○ Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

○ Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

○ LE and CD form(s) provided to the borrower are consistent across the loan process

○ NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

○ Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 6

&nbsp;&nbsp;&nbsp;&nbsp;

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;61.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Home<br>Improvement/Renovation<br>| &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Cash Out: Other/Multipurpose/ <br> Unknown purpose  | &nbsp;&nbsp;12 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;19.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;14 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;38.10% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;9.52% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;38.10% |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;42.86% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**21** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2025-NQM3

pg. 9

## Exhibit 99.27

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| ### | 304671436 | Original Loan to Value | 28.99% | 47.85% | Review value matches the loan approval. Source of tape is unknown. |
| ### | 304671436 | Original Combined Loan to Value | 28.99% | 47.85% | Reviewer used acquisition cost plus $### stated improvements per application. Exception set for documentation verifying this figure. |
| ### | 304671436 | Investor DTI (DSCR Ratio) | 1.8800000000000000 | 1.9093741592244469 | Non material variance |
| ### | 304639845 | Investor DTI (DSCR Ratio) | 1.5300000000000000 | 1.4446981584111531 | Approval DSCR is 1.44. |
| ### | 304641801 | Appraised Value | (###,###) | (###,###) | Tape is the original purchase price. Review value is the appraisal value. |
| ### | 304641801 | Investor DTI (DSCR Ratio) | 1.8000000000000000 | 2.0089397820300334 | Approved DSCR 2.01%, non-material variance due to rounding. Source of tape is unknown. |
| ### | 304665230 | Investor DTI (DSCR Ratio) | 1.2800000000000000 | 1.2933130541846438 | Non-material variance |
| ### | 304640552 | Investor DTI (DSCR Ratio) | 1.1000000000000000 | 1.0985084428220322 | Non-material variance due to rounding. |
| ### | 304679222 | Amortization Type | Fixed Rate | Fixed (IO) | Note reflects a 120 Month IO Period. Source of tape is unknown. |
| ### | 304679222 | Interest Only Flag | 0 | Yes | Note reflects a 120 Month IO Period. Source of tape is unknown. |
| ### | 304679222 | Interest Only Term In Months | 0 | 120 | Note reflects a 120 Month IO Period. Source of tape is unknown. |
| ### | 304679222 | Amortized Original Term | 360 | 240 | Note reflects a 240 month amortization period. Source of tape is unknown. |
| ### | 304679222 | Original P&I Payment | (#,###.##) | (#,###.##) | Original PI payment captured as stated in the Note. Source of tape is unknown. |
| ### | 304679222 | Investor DTI (DSCR Ratio) | 1.070000000000000 | 1.000843568150298 | Variance is non-material (Min Required DSCR 1.00) |
| ### | 304632947 | Investor DTI (DSCR Ratio) | 1.3800000000000000 | 1.3750078571877553 | Non-material variance due to rounding. |
| ### | 304679220 | Investor DTI (DSCR Ratio) | 1.4100000000000000 | 1.4613290579020326 | Variance is non-material. |
| ### | 304680908 | Original Interest Rate | 6.7500% | 6.8750% | Review value captured from the note. Source of tape is unknown. |
| ### | 304680908 | Loan Purpose | Rate and Term Refinance | Cash Out Refinance | Loan proceeds were used to payoff debt not used to acquire the property. Warranty deed transferred ownership from the non-borrowing spouse (entity) to the borrowing guarantors (entity) at closing. Transaction does not meet limited cash-out refinance definition. Exception cited. |
| ### | 304680908 | Original P&I Payment | (###.##) | (###.##) | Review value captured from the note. Source of tape is unknown. |
| ### | 304680908 | Investor DTI (DSCR Ratio) | 1.2240000000000000 | 1.1026574043444701 | Differences in Rental Income, Taxes and HOI noted. |
| ### | 304681675 | Investor DTI (DSCR Ratio) | 1.5000000000000000 | 1.5431248277762468 | Approved DECR 1.54, non-material variance due to rounding. Source of tape is unknown. |
| ### | 304686392 | Investor DTI (DSCR Ratio) | 1.0030000000000000 | 0.9981300854096123 | Review calculated variance. DSCR < 1.00 acknowledged by investor. |
| ### | 304693601 | Investor DTI (DSCR Ratio) | 1.3770000000000000 | 1.7411392996373334 | Lender calculated DSCR of 1.37. QC calculated DSCR of 1.74. Calculations: Rent of $###/PITI (#,###.##). Source of tape value is unknown. Variance appears due to rental amount used by lender to calculate DSCR. |
| ### | 304696990 | Investor DTI (DSCR Ratio) | 1.5880000000000000 | 1.4469131635101087 | Variance is non-material (15 expense factor applies as per guidelines). |
| ### | 304697030 | Investor DTI (DSCR Ratio) | 1.800000000000000 | 2.136386942403008 | Approved DSCR per 1008 is 2.14. Tape value source is unknown. |
| ### | 304708797 | Investor DTI (DSCR Ratio) | 1.0300000000000000 | 1.0277557293429005 | Non-material variance is due to rounding. |
| ### | 304709856 | Investor DTI (DSCR Ratio) | 1.2510000000000000 | 1.2136448355077805 | Variance is non-material. |
| ### | 304708799 | Investor DTI (DSCR Ratio) | 1.0230000000000000 | 1.0222478300466518 | Variance is non-material. |

---

## Exhibit 99.28

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Seller Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| xxx | 304671436 | ### | 1100472 | 03/12/2025 | Property | Final Reconciled Value is greater than original value used to calculate LTV/CLTV. | APPR 0052 | 3 | 1 | Closed | Reviewer used purchase price per appraisal and cost of improvements per application, LTV based on value of $###. Appraised value $###. | 03/20/2025 | Low LTV/CLTV/HCLTV - LTV (using stated acquisition cost/improvements) 47.85%, up to 70% allowable for vacant property.; | 03/19/2025 Appraisal photos along with commentary stating kitchen and bathrooms recently updated are sufficient to warrant the value adjustment of (##K) for completed improvements. | 03/20/2025 Finding is cleared. Cash out refinance does not have a seasoning requirement. Appraiser noted improvements support increase in value, C3;Kitchen-updated-less than one year ago ;Bathrooms-updated-less than one year ago. Subject is not delayed financing. | Funded C A |
| xxx | 304671436 | ### | 1100476 | 03/12/2025 | Credit | Seasoning Issue LTV Calculated from Appraisal Value | CRED 0019 | 3 | 1 | Closed | Property was acquired (date), which is less than 180 days prior to the application date of (date). Per appraiser, the subject property was updated less than one year. Missing documented cost of improvements and settlement statement from purchase to verify acquisition costs and arm's length transaction. Appraisal Value (###,###) / Purchase Price(###,###), difference is (###,###). Per the application the cost of completed improvements since acquisition is (##,###)) indicating LTV would be based on a value of (###,###) - this is the value used by reviewer, pending verification of acquisition and improvement costs. LTV 47.85%. Though property was purchased in the past 12 months, the appraisal reflects it has not been listed in the past 12 months which indicates it may have been a non-arm's length purchase.<br>Per guidelines < 180 Days Seasoning, Use Lesser of Purchase Price + Documented Improvements or Appraised Value. If the property was acquired via any other means besides an arms-length purchase transaction, then the loan will require approval from the Credit Policy Team to utilize just the appraised value to determine the LTV and may be subject to a reduced leverage. | 03/20/2025 | Low LTV/CLTV/HCLTV - LTV (using stated acquisition cost/improvements) 47.85%, up to 70% allowable for vacant property.; | 03/17/2025 Seller does not appear on borrower's background report as any type of relative or known associate. No reason to conclude it was not arm's length.<br>Appraisal photos along with commentary stating kitchen and bathrooms recently updated are sufficient to warrant the value adjustment of (##K) for completed improvements. | 03/20/2025 Finding is cleared. Cash out refinance does not have a seasoning requirement. Appraiser noted improvements support increase in value, C3;Kitchen-updated-less than one year ago; Bathrooms-updated-less than one year ago. Subject is not delayed financing. | Funded C A |
| xxx | 304671436 | ### | 1100488 | 03/12/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 1 | Closed | Missing Certificate of Good Standing. SOS is in the file reflecting the (entity) is active, but does not specifically note they are in good standing. | 03/26/2025 | Low LTV/CLTV/HCLTV - LTV (using stated acquisition cost/improvements) 47.85%, up to 70% allowable for vacant property.; | 03/24/2025 COGS print date is (date); this is the active status. If it was not in good standing it would be identified as such. | 03/25/2025 Investor clarified that SOS that confirms an entities active business is acceptable.<br>03/24/2025 Escalated to investor for review. | Funded C A |
| xxx | 304639845 | ### | 1100543 | 03/12/2025 | Credit | Asset Documentation is Insufficient | CRED 0083 | 3 | 1 | Closed | Missing 1031 Agreement and evidence the borrower is 100% owner of (entity) to support using 100% of the 1031 proceeds from the sale of this property. SOS in the file reflects the manager is (entity), no confirmation on (name) percentage of ownership in (entities). | 03/20/2025 | Low LTV/CLTV/HCLTV - LTV 50.00%, up to 80% acceptable; Verified credit history - FICO 774, minimum required 660; | 03/20/2025 1031 <br>03/19/2025 1031 agreement<br>03/14/2025 Business ownership docs | 03/20/2025 Recd 1031 Agreement, addressed to borrower, which is executed by borrower as (title) of (entity). <br>(entity) Statement of Change reflects (entity) as agent and is executed by borrower. Articles of Organization, (entity), reflects borrower as (title) and (entity) as (title).<br>Articles of Organization, (entity), reflects borrower as (titles).<br>03/19/2025 - Investor accepts the documentation provided to satisfactorily document borrowers ownership of (entity), which is the owner of (entity).<br> 03/20/2025 Recd (entity) Statement of Change,(entity), and Articles of Organization, (entity).<br> --Finding remains. Missing 1031 Agreement. <br> 03/17/2025 Recd Articles of Organization, (entities).<br> --Finding remains. Missing Operating Agreements, (entities). Also missing 1031 Agreement. | Funded C A |
| xxx | 304641801 | ### |  |  | No Finding | No Finding |  |  | 1 | No Finding | No Finding |  |  |  |  | Funded A |
| xxx | 304665230 | ### | 1101016 | 03/18/2025 | Compliance | File Documentation is Incomplete | COMP 0047 | 3 | 2 | Acknowledged | Insufficient entity documentation - loan closed in the name of (entity), and funds from this entity used for cash to close. File includes a certificate of filing with SOS in (year), Franchise Tax search from (month / year) and an LOE from the borrower stating they are the sole owner. No documentation in the file to verify ownership, no current evidence the (entity) is active, and no copy of the EIN from the (agency) for this entity. |  | Verified credit history - FICO 781, minimum required 700.; Established credit history - Credit history dates back to (year) with no reported lates.; | 03/19/2025 Business shows active | 03/21/2025 Investor Acknowledged Exception, Based on the filing the borrower is the only person associated with (entity) and we have recent documentation showing the business as active. <br> 03/20/2025 Recd post-consummation dated Franchise Tax Account Status reflecting (entity) registration as active.<br> --Finding remains. Missing verification of EIN and Operating Agreement, (entity). | Funded C B |
| xxx | 304665230 | ### | 1101030 | 03/18/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 3 | 1 | Closed | Missing Final HUD-1/CD. The only CDs in the file is the preliminary CD from title for (address) and the seller's CD. No settlement statement reflecting the final buyer's side of the transaction provided. Reviewer used figures from the final 1003 for determining cash to close. | 03/20/2025 | Verified credit history - FICO 781, minimum required 700.; Established credit history - Credit history dates back to (year) with no reported lates.; | 03/19/2025 Final CD | 03/20/2025 Recd CD for subject transaction. | Funded D A |
| xxx | 304665230 | ### | 1101031 | 03/18/2025 | Credit | Missing Source of Funds | CRED 0108 | 3 | 1 | Closed | Borrower is using cash out proceeds from the refinance of (address, loan#) for both cash out and reserves. File provided does not include verification of these funds, reviewer used CD from that file. | 03/20/2025 | Verified credit history - FICO 781, minimum required 700.; Established credit history - Credit history dates back to (year) with no reported lates.; | 03/19/2025 8808 Rainbow final CD | 03/20/2025 Recd CD for concurrent refinance transaction to evidence funds of $48,856.18 to satisfy reserves. | Funded C A |
| xxx | 304640552 | ### |  |  | No Finding | No Finding |  |  | 1 | No Finding | No Finding |  |  |  |  | Funded A |
| xxx | 304665231 | ### | 1101033 | 03/18/2025 | Credit | Missing Business Purpose Attestation | CRED 0112 | 3 | 2 | Acknowledged | Missing Business Purpose Attestation. Guidelines require a business-purpose attestation is required for all cash-out transactions if they are to be considered out of scope for TILA. |  | Verified reserves - 6 months reserves required, borrower/(entity) is receiving 28.24 months reserves in cash out proceeds.; Established credit history - Credit history dates back to(year) with no reported lates.; | 03/19/2025 Business attestation | 03/21/2025 Investor Acknowledged Exception, The proceeds on (loan#) were used to complete the purchase related to (loan#).<br> 03/20/2025 Recd borrower certification, (entity) is formed for the purpose of real estate investing.<br> --Finding remains. Missing business purpose attestation confirming loan proceeds will be used for business purposes. | Funded D B |
| xxx | 304665231 | ### | 1101035 | 03/18/2025 | Compliance | File Documentation is Incomplete | COMP 0047 | 3 | 2 | Acknowledged | Insufficient entity documentation - loan closed in the name of (entity). File includes a certificate of filing with SOS in (year), Franchise Tax search from (month / year) and an LOE from the borrower stating they are the sole owner. No documentation in the file to verify ownership, no current evidence the (entity) is active, and no copy of the EIN from the (agency) for this entity. |  | Verified reserves - 6 months reserves required, borrower/(entity)is receiving 28.24 months reserves in cash out proceeds.; Established credit history - Credit history dates back to (year) with no reported lates.; | 03/19/2025 Business shows active | 03/21/2025 Investor Acknowledged Exception, Based on the filing the borrower is the only person associated with (entity) and we have recent documentation showing the business as active. <br> 03/20/2025 Recd post-consummation dated Franchise Tax Account Status, (entity) SOS Registration Status is Active.<br> --Finding remains. Missing EIN and Operating Agreement, (entity) | Funded C B |
| xxx | 304679222 | ### | 1101925 | 03/26/2025 | Property | Missing Third Party Appraisal Review | APPR 0046 | 3 | 1 | Closed | Missing secondary valuation to support the original appraisal value of (###,###). No SSR or CDA provided in file. | 04/08/2025 | Verified housing payment history - Credit report reflects 6 open mortgages satisfactorily rated for 21, 48, 15, 17, 17, and 48 months.; Verified credit history - Middle Credit Score 759 > 680 Min Required.; | 04/04/2025 AVM | 04/07/2025 AVM with FSD 0.04 and value of $### provided / Confidence Score 96% accepted. Finding cleared.<br> 04/07/2025 Escalated to investor for review. | Funded C A |
| xxx | 304679222 | ### | 1101949 | 03/26/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 2 | Acknowledged | Per appraiser, subject was listed from sale (listing#) for (###,###) on (date). Missing evidence that the listing has been cancelled.<br>Per Guidelines - <br> If the property is currently listed for sale then it must be removed from the MLS (documented) prior to closing.  |  | Verified housing payment history - Credit report reflects 6 open mortgages satisfactorily rated for 21, 48, 15, 17, 17, and 48 months.; Verified credit history - Middle Credit Score 759 > 680 Min Required.; | 04/08/2025 See attached | 04/08/2025 Attached search reflects the property listing was removed (date) prior to closing on (date), however the property was relisted (date). Per guidelines, Any refinance of a property listed for sale in the last 12 months will be subject to minimum prepayment penalty of 3 years. Subject transaction closed without a prepayment penalty. | Funded C B |
| xxx | 304632947 | ### | 1102051 | 03/27/2025 | Credit | Hazard Insurance Coverage Amount is Insufficient | HAZ 0004 | 3 | 1 | Closed | Missing insurers replacement cost estimate to verify dwelling coverage of (###,###) is sufficient. Evidence of insurance does not reflect replacement cost endorsement. Dwelling coverage (###,###) < (###,###) (80% Cost New (###,###) from Appraiser). | 04/10/2025 | Verified credit history - Middle Credit Score 782 > 660 Min Required.; Verified housing payment history - Credit report reflects 9 open mortgages satisfactorily rated for 33, 33, 30, 30, 30, 33, 30, 30 and 33 months. ; Low LTV/CLTV/HCLTV - 65.5% LTV < 75% Max Allowed.; | 04/10/2025 see attached <br>04/09/2025 see attached | 04/10/2025 Finding is cleared with the attached email from insurer confirming the annual premium increased $###/yr. DSCR remains > 1.<br> 04/09/2025 Recd email from insurer confirming dwelling coverage was increased to (###,###) to cover the insurers estimated replacement cost estimate of (###,###).<br> --Missing verification from insurer as to whether the policy change resulted in a change to the premium. Final DSCR calc is pending verification of the premium. | Funded C A |
| xxx | 304632947 | ### | 1102092 | 03/27/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 2 | Acknowledged | Missing investor acknowledgment of the lender granted exception to guidelines. The lender granted an exception for borrower not owning a primary residence based on compensating factors of LTV 5% or more lower than the max allowed and DSCR > 1. |  | Verified credit history - Middle Credit Score 782 > 660 Min Required.; Verified housing payment history - Credit report reflects 9 open mortgages satisfactorily rated for 33, 33, 30, 30, 30, 33, 30, 30 and 33 months. ; Low LTV/CLTV/HCLTV - 65.5% LTV < 75% Max Allowed.; |  | 04/07/2025 EV2/B Investor Acknowledged Exception | Funded C B |
| xxx | 304632947 | ### | 1102093 | 03/27/2025 | Compliance | File Documentation is Incomplete | COMP 0047 | 3 | 1 | Closed | Missing LLC EIN verification. <br>Guidelines require the following documents to be provided:<br>The following LLC documentation must be provided:<br> - Articles of Incorporation<br> - Operating Agreement<br> - Tax Identification Number <br> - Certificate of Good Standing<br> - A personal guaranty is required as well | 04/03/2025 | Verified credit history - Middle Credit Score 782 > 660 Min Required.; Verified housing payment history - Credit report reflects 9 open mortgages satisfactorily rated for 33, 33, 30, 30, 30, 33, 30, 30 and 33 months. ; Low LTV/CLTV/HCLTV - 65.5% LTV < 75% Max Allowed.; | 04/03/2025 see attached <br> 03/28/2025 (entity) DOCS | 04/03/2025 04/03/2025 - Adequate (entity) identifying documents provided. Finding cleared.<br> 03/28/2025 Finding remains. Missing verification of the entity Tax Identification Number. | Funded C A |
| xxx | 304679220 | ### |  |  | No Finding | No Finding |  |  | 1 | No Finding | No Finding |  |  |  |  | Funded A |
| xxx | 304683445 | ### |  |  | No Finding | No Finding |  |  | 1 | No Finding | No Finding |  |  |  |  | Funded A |
| xxx | 304680908 | ### | 1104154 | 04/09/2025 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 3 | 1 | Closed | Missing evidence policy (#) with annual premium of (#,###) was paid in full. Invoice was for (###.##), which was paid at closing.<br>| 04/30/2025 | Verified credit history - Middle Credit Score 733 > 700.; Verified housing payment history - Credit report reflects 6 open mortgages satisfactorily rated 35, 3, 3, 3, 3 and 3 months; | 04/29/2025 Borrower obtained new insurance - deductible is met - Annual policy paid in full by borrower and attached. | 04/30/2025 Recd new insurance policy, premium reflects paid. | Funded C A |
| xxx | 304680908 | ### | 1104155 | 04/09/2025 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 1 | Closed | Subject insurance policy Wind/Hail deductible of (##,###) > 5% Policy (###,###)<br>Per Guidelines - <br> The maximum allowable deductible for any insurance (Hazard, Flood, Wind, Condo, etc.) covering a property loan is 5% of the policy amount.<br>| 04/30/2025 | Verified credit history - Middle Credit Score 733 > 700.; Verified housing payment history - Credit report reflects 6 open mortgages satisfactorily rated 35, 3, 3, 3, 3 and 3 months; | 04/29/2025 Borrower obtained new insurance - deductible is met - Annual policy paid in full by borrower and attached. | 04/30/2025 Recd new insurance policy, deductibles for each peril < 5%. | Funded C A |
| xxx | 304680908 | ### | 1104169 | 04/09/2025 | Credit | LTV Exceeds Max Allowed | CRED 0010 | 3 | 2 | Acknowledged | 80% LTV > 75% Max Allowed Cash Out Refinance. The transaction does not meet limited cash out refinance definition. Loan proceeds were used to payoff two existing loans and borrower received (#,###.##) > $2,000 cash in hand at closing .<br>Per guidelines, Limited Cash-Out Refinance - (seller) will treat any refinance as a Limited Cash-Out Refinance that meets the following definition:<br>The transaction is being used to pay off only an existing first mortgage loan (including an existing HELOC in first lien position) secured by the subject property and the borrower is receiving cash back in an amount that is not more than the lesser of 2% of the new refinance loan amount or $2,000. <br>|  | Verified credit history - Middle Credit Score 733 > 700.; Verified housing payment history - Credit report reflects 6 open mortgages satisfactorily rated 35, 3, 3, 3, 3 and 3 months; | 04/10/2025 (#k) received at closing - final SS attached | 05/01/2025 EV2/B Investor Acknowledged Exception.<br> 04/10/2025 Recd settlement statement dated (date), cash to borrower (#K) with principal reduction of (#,###.##). Subject is located in a wet funding state and the attached settlement statement is not signed. Settlement statement signed at closing does not reflect the principal reduction. Missing transaction history to evidence principal reduction was completed.<br>Two loans paid at closing is not permitted on a limited cash out refinance. Missing investor approval for 80% LTV > 75% Max Allowed Cash Out Refinance. | Funded C B |
| xxx | 304680908 | ### | 1104491 | 04/10/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing VOM on subject property: (entity). | 04/28/2025 | Verified credit history - Middle Credit Score 733 > 700.; Verified housing payment history - Credit report reflects 6 open mortgages satisfactorily rated 35, 3, 3, 3, 3 and 3 months; | 04/25/2025 Attached. | 04/28/2025 VOM for commercial liens for (entities) provided. Finding cleared. | Funded C A |
| xxx | 304681675 | ### |  |  | No Finding | No Finding |  |  | 1 | No Finding | No Finding |  |  |  |  | Funded A |
| xxx | 304686392 | ### | 1104749 | 04/11/2025 | Credit | DSCR Calculation Discrepancy | DSCR 0001 | 3 | 2 | Acknowledged | Review DSCR 0.99 < 1.0 Min Required. Qualifying DSCR calculation was not provided in file.<br>|  | Verified credit history - Middle Credit Score 774 > 700 Min Required. ; Verified credit history - Credit report reflects two open mortgages satisfactorily rated 33 and 48 months.; |  | 05/07/2025 05/07/2025 - Investor acknowledged exception. Finding updated to EV2/B. | Funded C B |
| xxx | 304686392 | ### | 1104751 | 04/11/2025 | Property | Missing Third Party Appraisal Review | APPR 0046 | 3 | 1 | Closed | Missing valuation tool to support the original appraisal value of (###,###). No SSR in file.<br>| 04/17/2025 | Verified credit history - Middle Credit Score 774 > 700 Min Required. ; Verified credit history - Credit report reflects two open mortgages satisfactorily rated 33 and 48 months.; | 04/17/2025 AVM | 04/17/2025 AVM escalated to investor for review. <br>| Funded C A |
| xxx | 304686393 | ### | 1105017 | 04/14/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing final guarantor app,(name). Only guarantor application provided is for (name). | 04/24/2025 | Verified housing payment history - B2 Credit report reflects 3 open mortgages satisfactorily rated 44, 9, and 86 months.; Verified credit history - 802/744 Middle Credit Scores > 700 Min Required.; | 04/24/2025 Attached. | 04/24/2025 Recd guarantor app, (name). | Funded C A |
| xxx | 304686393 | ### | 1105120 | 04/15/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 1 | Closed | EOI does not reflect a minimum of 6-months rent loss coverage.<br> --Per guidelines, Rent Loss Coverage is required on all Single Property Rental loans. The amount of coverage must be at least the lesser of six months rent or 10% of the loan amount. The amount used in the 6-month calculation will be determined by the insurer | 04/24/2025 | Verified housing payment history - B2 Credit report reflects 3 open mortgages satisfactorily rated 44, 9, and 86 months.; Verified credit history - 802/744 Middle Credit Scores > 700 Min Required.; | 04/24/2025 Insurance showing Rent Loss attached. | 04/24/2025 Recd EOI evidencing (##,###) rent loss coverage. | Funded C A |
| xxx | 304693601 | ### | 1107751 | 05/01/2025 | Credit | Missing Hazard Insurance Proof of Premium | HAZ 0001 | 3 | 1 | Closed | Missing evidence that policy premium of (##,###) has been paid. Premium not reflected on HUD. | 05/05/2025 | Verified housing payment history - 61 months of mortgage history paid 0x30, verified per credit report. ; Verified reserves - 3 months of subject PITI reserves required. Verified reserves of 23 months of subject PITI from proceeds.; | 05/02/2025 Proof paid prior to closing attached. | 05/05/2025 Recd paid receipt. | Funded C A |
| xxx | 304696990 | ### | 1107725 | 05/01/2025 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 1 | Closed | Missing insurers replacement cost estimate or evidence of replacement cost coverage. (seller) requires the Hazzard coverage minimum to be 100% replacement cost, guaranteed<br> replacement cost or extended replacement cost coverage, which must be clearly identified on the EOI. | 05/12/2025 | Verified credit history - Middle Credit Score 780 > 700 Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one HELOC both satisfactorily rated 48 months.; Low LTV/CLTV/HCLTV - 58.82% LTV < 65% Max Allowed.; | 05/09/2025 Insurance agent confirming RCE attached. | 05/12/2025 Recd insurers RCE (###,###). | Funded C A |
| xxx | 304696990 | ### | 1107763 | 05/01/2025 | Compliance | File Documentation is Incomplete | COMP 0047 | 3 | 2 | Acknowledged | Borrowing entity, (entity), is owned by the (trust). Missing investor acknowledgement of the trust acting as guarantor. |  | Verified credit history - Middle Credit Score 780 > 700 Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one HELOC both satisfactorily rated 48 months.; Low LTV/CLTV/HCLTV - 58.82% LTV < 65% Max Allowed.; |  | 05/12/2025 EV2/B Investor Acknowledged Exception | Funded C B |
| xxx | 304696990 | ### | 1107773 | 05/01/2025 | Credit | Property Type is prohibited | PROP 0002 | 3 | 1 | Closed | Subject is an ### unit apartment building. Multi-Family Properties are ineligible. Additionally guidelines reflect a unit maximum of ### units. Missing investor acknowledgement for the exception to guidelines. | 05/12/2025 | Verified credit history - Middle Credit Score 780 > 700 Min Required.; Verified housing payment history - Credit report reflects one open mortgage and one HELOC both satisfactorily rated 48 months.; Low LTV/CLTV/HCLTV - 58.82% LTV < 65% Max Allowed.; | 05/09/2025 Per our secondary lead, 'This is a separate product, guidelines attached. " | 05/12/2025 Recd investor confirmation to use multi-family guidelines presented.<br> 05/12/2025 Message sent to investor to confirm guideline presented is approved. | Funded C A |
| xxx | 304699186 | ### | 1108316 | 05/05/2025 | Credit | Credit Report is greater than 120 days old. | CRED 0129 | 3 | 2 | Acknowledged | Credit report dated (date) > 120 days at closing (date)<br>--Per guidelines, Credit reports remain eligible for 120 days from the date the credit report was pulled. |  | Verified credit history - Middle Credit Score 750 > 680 Min Required.; Verified housing payment history - Credit report reflects 2 open mortgages satisfactorily rated 6 and 13 months.; Verified reserves - 29+ Months Verified PITI Reserves > 3 Months Required.; | 05/06/2025 Attached. | 05/07/2025 Recd post-consummation dated CBR. Waiting for investor acceptance. | Funded C B |
| xxx | 304697030 | ### | 1109804 | 05/13/2025 | Compliance | Missing Prepayment Penalty | PPP 0001 | 3 | 1 | Closed | Request confirmation. The note has a prepayment addendum attached to it and the DOT includes a prepayment rider, but the terms of the prepayment penalty are not included in either. The rate lock reflects no prepayment penalty, the 1003 reflects there is a prepayment penalty. | 05/14/2025 | Verified reserves - 6 months reserves required, 164.81 months reserves verified.; Verified credit history - FICO 794, minimum required 660.; | 05/14/2025 There is no PrePayment Penalty on this loan. | 05/14/2025 Lender confirms no prepayment penalty, which is supported by docs in file. | Funded C A |
| xxx | 304697030 | ### | 1109810 | 05/13/2025 | Credit | Missing Payoff/Demand Statement | DMND 0003 | 3 | 1 | Closed | Missing payoff statements to (entity) (#,###.##) and (name) (##,###.##) as listed on the settlement statement. Title report only includes a mortgage with (entity) and the only VOM related to the subject property is from (entity). | 05/14/2025 | Verified reserves - 6 months reserves required, 164.81 months reserves verified.; Verified credit history - FICO 794, minimum required 660.; | 05/14/2025 Payoff Statement | 05/14/2025 Recd payoff. | Funded C A |
| xxx | 304708797 | ### | 1110476 | 05/15/2025 | Compliance | File Documentation is Incomplete | COMP 0047 | 3 | 1 | Closed | Missing complete signed copy of the Entity Certificate, (entity). Only pg 1 provided in file. | 05/16/2025 | Verified credit history - Middle Credit Score 711 > 700 Min Required (75% Max - Vacant Property Reduction 5%).; Verified housing payment history - Credit report reflects 2 open mortgages satisfactorily rated 33 and 48 months.; | 05/16/2025 Attached. | 05/16/2025 Recd complete signed copy of the entity certificate. | Funded C A |
| xxx | 304708797 | ### | 1110479 | 05/15/2025 | Property | Missing Estimated Replacement Cost New for Property | APPR 0022 | 3 | 1 | Closed | Missing insurers replacement cost calculator. Policy does not reflect replacement coverage and dwelling coverage (###,###) < Note Amount. Cost New was not provided by appraiser. | 05/16/2025 | Verified credit history - Middle Credit Score 711 > 700 Min Required (75% Max - Vacant Property Reduction 5%).; Verified housing payment history - Credit report reflects 2 open mortgages satisfactorily rated 33 and 48 months.; | 05/16/2025 Attached. | 05/16/2025 Email from insurer received. For all policies, Property coverage provided is the cost to rebuild determined by using third party data. We insure everything to 100% insurance to value and provide a replacement cost valuation. We don't provide coverage for the land or market value. | Funded C A |
| xxx | 304709856 | ### | 1110707 | 05/16/2025 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing documented policy premium for secondary policy with liability coverage, (insurer, policy#). Final DSCR calc is pending verification of the liability. | 05/22/2025 | Verified credit history - Middle Credit Score 744 > 680 Min Required.; Verified housing payment history - Credit report reflects open mortgages satisfactorily rated 37, 30, 22, and 48 months.; Low LTV/CLTV/HCLTV - 57.92% LTV < 70% Max Allowed (75% - 5% Reduction Vacant); Verified reserves - 60+ Months Verified Reserves > 3 Months Required.; | 05/22/2025 Annual liability is (###.##). DSCR is still within policy at 1.213 including the premium for the liability policy. | 05/22/2025 Finding is cleared with the attached binder documenting the premium for the secondary policy. DSCR > 1.00. | Funded C A |
| xxx | 304708799 | ### | 1110751 | 05/16/2025 | Compliance | Mortgage/Deed of Trust is Incomplete | DEED 0049 | 3 | 1 | Closed | Mortgage is missing pg 7 of 25. | 05/20/2025 | Verified credit history - Middle Credit Score 739 > 680 Min Required.; Verified housing payment history - Credit report reflects 2 open mortgages satisfactorily rated 65 and 40 months.; | 05/20/2025 Recorded attached. | 05/20/2025 Recd recorded copy of Mortgage containing all pages. | Funded C A |
| xxx | 304708799 | ### | 1110761 | 05/16/2025 | Property | Non-Warrantable Condominium | COND 0011 | 3 | 2 | Acknowledged | Missing investor acknowledgement of the non-warrantable condominium project. Per property management, Please be advised that all of the associations that are managed by (property management company) are not currently approved for (agnecy) loans as they do not meet the stringent criteria for these types of loans.<br>--Per guidelines, Non-Warrantable Condos are Ineligible. |  | Verified credit history - Middle Credit Score 739 > 680 Min Required.; Verified housing payment history - Credit report reflects 2 open mortgages satisfactorily rated 65 and 40 months.; |  | 05/22/2025 EV2/B Investor Acknowledged Exception, Based on the Condo Questionnaire that is located on Page #710, as well as the explanation below: <br>I spoke to the ### and ### manager on this; it was deemed warrantable by the guideline definitions published due to the fact that the only restriction was rental restriction during the first 2 years of ownership … borrower acquired the property in (year).<br>I've posted the published guidelines (last couple of pages of the attached) but the letter was moreso included because it was part of the questionnaire and response – I'm fairly certain our published guidelines regarding warrantable condos has been published and approved with (investor)but if you have any questions or if there is a salability concern please let us know and we'll notify secondary and get the loan moving. | Funded C B |

---

## Exhibit 99.29

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.29**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Seller Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status | Seller Name |
| 304671436 | ### | 3 | 1 C A | 3 | Not Covered / Exempt | xxx |
| 304639845 | ### | 3 | 1 C A | 1 | Not Covered / Exempt | xxx |
| 304641801 | ### | 1 | 1 A | 1 | Not Covered / Exempt | xxx |
| 304665230 | ### | 4 | 2 D C A B | 1 | Not Covered / Exempt | xxx |
| 304640552 | ### | 1 | 1 A | 1 | Not Covered / Exempt | xxx |
| 304665231 | ### | 4 | 2 D C A B | 1 | Not Covered / Exempt | xxx |
| 304679222 | ### | 3 | 2 C A B | 3 | Not Covered / Exempt | xxx |
| 304632947 | ### | 3 | 2 C A B |  | Not Covered / Exempt | xxx |
| 304679220 | ### | 1 | 1 A | 3 | Not Covered / Exempt | xxx |
| 304683445 | ### | 1 | 1 A | 3 | Not Covered / Exempt | xxx |
| 304680908 | ### | 3 | 2 C A B | 3 | Not Covered / Exempt | xxx |
| 304681675 | ### | 1 | 1 A | 1 | Not Covered / Exempt | xxx |
| 304686392 | ### | 3 | 2 C A B | 3 | Not Covered / Exempt | xxx |
| 304686393 | ### | 3 | 1 C A | 3 | Not Covered / Exempt | xxx |
| 304693601 | ### | 3 | 1 C A | 3 | Not Covered / Exempt | xxx |
| 304696990 | ### | 3 | 2 C A B | 3 | Not Covered / Exempt | xxx |
| 304699186 | ### | 3 | 2 C A B | 3 | Not Covered / Exempt | xxx |
| 304697030 | ### | 3 | 1 C A | 1 | Not Covered / Exempt | xxx |
| 304708797 | ### | 3 | 1 C A | 3 | Not Covered / Exempt | xxx |
| 304709856 | ### | 3 | 1 C A | 3 | Not Covered / Exempt | xxx |
| 304708799 | ### | 3 | 2 C A B | 3 | Not Covered / Exempt | xxx |

---

## Exhibit 99.30

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| ### | 304671436 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No damage from recent disasters. | ### |  |
| ### | 304639845 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### | ### | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Moderate Risk |  |  |
| ### | 304641801 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ### | 304665230 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Low Risk | ### | ### |
| ### | 304640552 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  | ### | ### | ### | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### |
| ### | 304665231 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### |
| ### | 304679222 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### | ### | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ### | 304632947 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Score - Low<br>Additional Review Alert - Not Recommended | ### | ### |
| ### | 304679220 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### |  |
| ### | 304683445 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### |  |
| ### | 304680908 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### | ### | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Score - Moderate<br>Additional Review Alert - Not Recommended | ### |  |
| ### | 304681675 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Risk Score - Low<br>Additional Review Alert - Not Recommended |  |  |
| ### | 304686392 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### | ### | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ### | 304686393 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### |  |
| ### | 304693601 | ### | ### | ### | ### | No | No | ### | ### |  |  |  | ### | ### | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Appraisal states reconciled value of (#,###,###). Lender used lower sales comparison value of (###,###). |  |  |
| ### | 304696990 | ### | ### | ### | ### | No | No | ### | ### |  |  |  | ### | ### | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ### | 304699186 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ### | 304697030 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | ### | ### | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Borrower has owned the subject ###, past the ### seasoning requirement.<br> (agency scores) not entered as they do not analyze 2-4 property appraisals. Moderate Risk. |  |  |
| ### | 304708797 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ### | 304709856 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  | ### | 0.00 | 0.00% | xxx | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### |  |
| ### | 304708799 | ### | ### | ### | ### | No | No | ### | ### |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ### |  |

---

## Exhibit 99.31

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.31**

![](ex9931001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between December 31, 2024 and May 14, 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 39 Non-QM loans and 88 ATR-QM exempt loans for a total of 127 loans (the "Final Securitization Population").

*<u>Credit Reviews (127):</u>*

During the Review, Selene performed a credit review on 127 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (127)</u>*

During the Review, Selene performed a compliance review on 127 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (127):</u>*

During the Review, Selene performed a property valuation review on 127 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (127):</u>*

During the Review, Selene performed a Data Integrity Review on 127 mortgage loans in the Final Securitization Population.

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

![](ex9931001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 127 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;127 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Choice Non-QM Underwriting Guidelines, Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, LoanStream One Guide, CV3 Financial Services Underwriting Procedures Manual (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

 **CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

 **COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

 **DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

![](ex9931001.jpg)

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

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

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

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 127 mortgage loans, (ii) a Compliance Review on 127 mortgage loans (iii) a Valuation Review on 127 mortgage loans, and (iv) a Data Integrity Review on 127 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 127 mortgage loans; 99 mortgage loans had a rating grade of A, 28 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** | &nbsp;&nbsp;***Grades per loan (127 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;48 | &nbsp;&nbsp;37.80% | &nbsp;&nbsp;A | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;99 | &nbsp;&nbsp;77.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.36% | &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;28 | &nbsp;&nbsp;22.05% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;16.54% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;43.31% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;119 | &nbsp;&nbsp;93.70% | &nbsp;&nbsp;A | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;107 | &nbsp;&nbsp;84.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.30% | &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;20 | &nbsp;&nbsp;15.75% |

---

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

![](ex9931001.jpg)

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00%&nbsp;&nbsp;C | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;124 | &nbsp;&nbsp;97.64% |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.36% |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

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

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

![](ex9931001.jpg)

make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

**Asset Review**

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available,
 Selene reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan
 originator compensation

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Selene's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains
 a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any
 claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the
 creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable,
 on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure;
 and (ii) verify the data against the NMLSR database, as available.

**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence
 of the Servicing Disclosure Statement form in the mortgage loan file;

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

ix) confirm borrower received LE not later than four (4) business days prior to consummation; and

x) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

a) Providing
Appraisals and Other Valuations (12 C.F.R. 1002.14):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

JPMMT 2025-NQM3 Executive Summary (Selene Diligence)

## Exhibit 99.32

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**Exhibit 99.32**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304481872 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481909 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481909 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481909 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481896 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493453 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481826 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304498136 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304493436 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304493436 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304493436 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498138 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498238 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498238 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304498111 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498111 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493413 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493413 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493427 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493319 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498087 | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481974 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481974 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481974 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493388 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498019 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498019 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493390 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493491 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481801 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493307 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481991 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498239 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498239 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498239 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493309 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304631929 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304631929 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304498219 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304498219 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493384 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493324 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493345 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481941 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481941 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304481941 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304481941 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493359 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304639211 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639402 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639402 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639402 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304637985 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304637985 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304637985 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304637985 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304639185 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639185 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639338 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304639341 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304639238 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639342 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639342 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304639342 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639363 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639359 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639187 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639187 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304498037 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304631938 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304638055 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304638055 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304638055 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638055 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638055 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643900 | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643575 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643764 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643764 | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 304643764 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304638077 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638077 | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304638077 | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 304481952 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639347 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668410 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668420 | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304668420 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668420 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668352 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304631872 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304643573 | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304639313 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668422 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304642330 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304642330 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304639336 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304642260 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304642260 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304642260 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668343 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304668343 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304668343 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668343 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304668343 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692895 | XXXX | XXXX | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692822 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692822 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692780 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304695504 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692747 | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304692867 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692893 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692848 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692863 | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692863 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304692863 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.33

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.33**

---

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| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304481872 | Closed | 2025-01-03 11:39 | 2025-01-28 13:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Waiver and comp factors provided - Due Diligence Vendor-01/28/2025 <br> Unable to Resolve-Unable to Resolve-XXXXapproves exception for short reserves by $XXXX. Comp Factors: 745 FICO, 0x30 on primary and investment mortgages, 1.152 DSCR, 20% borrower contribution. - Buyer-01/27/2025 <br> Counter-The bank statement provided is older than 30 days. GL require the most recent 30 days of assets. Total assets are short by $XXXX. We have a total of $XXXX in available funds and we need $XXXX to cover closing costs and reserves. Please provide more assets to cover the 3 month reserve requirement, evidence of wire received by the title company or an exception for insufficient reserves. - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. See attached, all pages of statements, 4 of 4 - Buyer-01/17/2025 <br> Counter-Reserves are insufficient by XXXX. Please provide entire bank statement. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. see attached seller rebuttal. Thank you - Buyer-01/13/2025 <br> Open-Borrower not meeting reserve requirements, Provide additional Assets - Due Diligence Vendor-01/03/2025 |  | Waived-Waiver and comp factors provided - Due Diligence Vendor-01/28/2025<br>| XXXX |  | 745 FICO; 740 minimum for program<br> DSCR 1.152, 1.0 minimum<br> 0x30x48; 1x30x12 required<br> XXX% borrower contribution; 0% required | NY | Investment | Purchase | NA | 3129689 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304481909 | Closed | 2025-01-10 13:26 | 2025-01-23 00:42 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-01/23/2025 <br> Unable to Resolve-Unable to Resolve-XXXXagrees with exception approved by XXXX on XXXX - Buyer-01/17/2025 <br> Open-Exception approved to proceed with non-borrowing spouse joint on personal bank statements used for BBS income analysis. Borrower's income is direct deposited from payor that identifies Borrower's name in memo line, clearly delineating who's income. Comp factors include DTI < 40%, > 4x residual. Exception Letter on page no 1858. - Due Diligence Vendor-01/10/2025 |  | Waived-Exception Approved - Due Diligence Vendor-01/23/2025<br>|  |  | FICO 722 <br> 36% DTI <br> XXXX mos reserves | TX | Primary Residence | Purchase | NA | 3179609 | Investor Post-Close | No |
| XXXX | XXXX |  | 304481909 | Closed | 2025-01-10 12:59 | 2025-01-21 17:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-01/17/2025 <br>Open-Home loan toolkit is missing from file. - Due Diligence Vendor-01/10/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/21/2025<br>| Your Home Loan Toolkit.pdf |  |  | TX | Primary Residence | Purchase | NA | 3179451 | N/A | N/A |
| XXXX | XXXX |  | 304481873 | Closed | 2025-01-13 21:08 | 2025-01-28 16:16 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Property located over 5 miles from nearest fire zone - PDI provided XXXX with no damage - OK to resolve. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. see attached PDI - Buyer-01/27/2025 <br> Open-Property potentially affected by FEMA XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-01/13/2025 |  | Resolved-Property located over 5 miles from nearest fire zone - PDI provided XXXX with no damage - OK to resolve. - Due Diligence Vendor-01/28/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3196577 | N/A | N/A |
| XXXX | XXXX |  | 304481827 | Closed | 2025-01-15 23:23 | 2025-02-24 13:54 | Resolved | 1 - Information C A | Credit | Assets | Large Deposit Not Verified. | Resolved-Documentation provided reflecting Borrower sole officer of LLC for source of funds. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-see attached - Seller-02/20/2025 <br> Counter-Signed, written explanation provided. Per guidelines verification of source of funds missing. Proof of ownership % of stated LLC and verification of account required. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. LOE attached. - Seller-02/06/2025 <br> Open-Acct XXXX Source of large $XXXX deposits XXXX and XXXX not verified. - Due Diligence Vendor-01/15/2025 | Ready for Review-see attached - Seller-02/20/2025 <br>Ready for Review-Document Uploaded. LOE attached. - Seller-02/06/2025<br>| Resolved-Documentation provided reflecting Borrower sole officer of LLC for source of funds. - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | NY | Investment | Purchase | NA | 3215807 | N/A | N/A |
| XXXX | XXXX |  | 304481827 | Closed | 2025-01-15 23:10 | 2025-01-31 13:23 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Resolved-Updated appraisal provided - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. - Seller-01/30/2025 <br>Counter-Appraisal provided Addendum, still reflects Subject Property is a Two Family Dwelling while General Description reflects One Unit property. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. updated appraisal attached for review. - Buyer-01/27/2025 <br>Open-Appraisal, General Description, appraiser denotes property is one unit detached property. However, appraiser comment on adjustments made, states Subject Property is a 2 family detached. Corrected Appraisal required and Adjustments made for single family comparable to a 2 family subject property needs to be addressed. - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/30/2025<br>| Resolved-Resolved-Updated appraisal provided - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | NY | Investment | Purchase | NA | 3215760 | N/A | N/A |
| XXXX | XXXX |  | 304481827 | Closed | 2025-01-15 23:20 | 2025-01-24 16:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Operating Agreement provided verifying 100% ownership by B1 - Due Diligence Vendor-01/24/2025 <br> Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Operating Agreement provided verifying 100% ownership by B1 - Due Diligence Vendor-01/24/2025 <br> Ready for Review-Document Uploaded. operating agreement attached. - Buyer-01/22/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Documentation for Asset Account holder XXXX required. Verification of Members and Member ownership percentage missing for use of asset account #XXXX. - Due Diligence Vendor-01/15/2025 |  | Resolved-Operating Agreement provided verifying 100% ownership by B1 - Due Diligence Vendor-01/24/2025 <br>Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/24/2025<br>| operating agreement (7).pdf |  |  | NY | Investment | Purchase | NA | 3215790 | N/A | N/A |
| XXXX | XXXX |  | 304481827 | Closed | 2025-01-14 05:43 | 2025-01-23 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract provided. Resolved - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. purchase contract attached. - Buyer-01/22/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract is Missing - Due Diligence Vendor-01/14/2025 |  | Resolved-Purchase Contract provided. Resolved - Due Diligence Vendor-01/23/2025<br>| XXXX |  |  | NY | Investment | Purchase | NA | 3198745 | N/A | N/A |
| XXXX | XXXX |  | 304481827 | Closed | 2025-01-14 06:04 | 2025-01-23 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification provided. Resolved - Due Diligence Vendor-01/23/2025 <br>Ready for Review-Document Uploaded. ID attached. - Buyer-01/22/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 1 Photo Identification Type Missing - Due Diligence Vendor-01/14/2025 |  | Resolved-Borrower 1 Photo Identification provided. Resolved - Due Diligence Vendor-01/23/2025<br>| XXXX |  |  | NY | Investment | Purchase | NA | 3198773 | N/A | N/A |
| XXXX | XXXX |  | 304481896 | Closed | 2025-01-15 07:41 | 2025-01-22 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax provided. Resolved - Due Diligence Vendor-01/22/2025 <br> Ready for Review-Document Uploaded. Evidence of property tax attached adds to $XXXX. Please Rescind - Buyer-01/21/2025 <br> Open-Missing Evidence of Property Tax Evidence of Property Tax with $XXXX is missing from file. - Due Diligence Vendor-01/15/2025 |  | Resolved-Evidence of Property Tax provided. Resolved - Due Diligence Vendor-01/22/2025<br>| XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 3207657 | N/A | N/A |
| XXXX | XXXX |  | 304481826 | Closed | 2025-01-21 10:33 | 2025-01-21 11:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.165%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 363 and the Final Closing disclosure on Pg#344 reflects escrows. Rate lock date was entered correctly see Pg# 691 An interior and exterior appraisal was completed for this property – see Page#29 the appraisal disclosure was provided to the borrower(s)- see Pg# 29, and copy of the appraisal was given to the borrower see Pg# 518 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2025 |  | Resolved-The loan's (9.165%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 363 and the Final Closing disclosure on Pg#344 reflects escrows. Rate lock date was entered correctly see Pg# 691 An interior and exterior appraisal was completed for this property – see Page#29 the appraisal disclosure was provided to the borrower(s)- see Pg# 29, and copy of the appraisal was given to the borrower see Pg# 518 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/21/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3242494 | N/A | N/A |
| XXXX | XXXX |  | 304498136 | Closed | 2025-01-21 10:05 | 2025-02-03 15:34 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | 1008 Document is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/03/2025 <br>Unable to Resolve-Unable to Resolve-Please rescind, This is a BPL loan and there is no 1008. Thank you XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-01/30/2025 <br>Open- - Due Diligence Vendor-01/23/2025 <br>Rescinded-The 1008 document is missing from the loan file. - Due Diligence Vendor-01/21/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-02/03/2025 <br>Rescinded-The 1008 document is missing from the loan file. - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Investment | Purchase | NA | 3242419 | Originator Post-Close | No |
| XXXX | XXXX |  | 304498136 | Closed | 2025-01-21 10:26 | 2025-01-31 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Resolved as requested final policy provided with effective date of policy. - Due Diligence Vendor-01/31/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. effective date added to the attached. Thank you - Buyer-01/30/2025 <br>Open-Title Document is Incomplete Effective date missing in title report document. - Due Diligence Vendor-01/21/2025 |  | Resolved-Resolved as requested final policy provided with effective date of policy. - Due Diligence Vendor-01/31/2025 <br>Resolved-Title Document is Provided And Complete - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3242478 | N/A | N/A |
| XXXX | XXXX |  | 304498136 | Closed | 2025-01-21 13:37 | 2025-01-27 20:45 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/27/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-01/23/2025 <br>Open-The Final 1003 is Missing The note is signed by a member of business entity. As per Guidelines, Business Entity loans require additional LLC 1003 which is missing in file. Please advise - Due Diligence Vendor-01/23/2025 |  | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/27/2025<br>|  |  |  | NJ | Investment | Purchase | NA | 3243146 | Originator Post-Close | No |
| XXXX | XXXX |  | 304493436 | Closed | 2025-01-21 13:36 | 2025-02-04 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Citizenship Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/04/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. ID attached. - Buyer-02/03/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing .Provide the same - Due Diligence Vendor-01/21/2025 |  | Resolved-Citizenship Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/04/2025 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 3243140 | N/A | N/A |
| XXXX | XXXX |  | 304493436 | Closed | 2025-01-21 14:48 | 2025-02-04 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/04/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. ID attached. - Seller-02/03/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower 1 Photo Identification Missing. Please Provide - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. ID attached. - Seller-02/03/2025<br>| Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/04/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 3243736 | N/A | N/A |
| XXXX | XXXX |  | 304493436 | Closed | 2025-01-21 13:48 | 2025-01-31 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/31/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. attached signed at closing please waive the need for one signed at submission XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Seller-01/30/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. pre closing date of Business Purpose Affidavit is missing in the file .Provide the same - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. attached signed at closing please waive the need for one signed at submission XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Seller-01/30/2025<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/31/2025<br>| XXXX |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 3243201 | N/A | N/A |
| XXXX | XXXX |  | 304498138 | Closed | 2025-01-22 06:13 | 2025-01-30 07:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance with Effective Date of XXXX provided. Resolved - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Document Uploaded. see last page of attachment. - Buyer-01/29/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after note date XXXX. - Due Diligence Vendor-01/22/2025 |  | Resolved-Hazard Insurance with Effective Date of XXXX provided. Resolved - Due Diligence Vendor-01/30/2025 | XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3250497 | N/A | N/A |
| XXXX | XXXX |  | 304498138 | Closed | 2025-01-22 06:05 | 2025-01-27 11:36 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CDA document provided. - Due Diligence Vendor-01/27/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. CDA attached. - Buyer-01/24/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation is missing in file.<br> - Due Diligence Vendor-01/22/2025 |  | Resolved-CDA document provided. - Due Diligence Vendor-01/27/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3250472 | N/A | N/A |
| XXXX | XXXX |  | 304493328 | Closed | 2025-01-23 21:18 | 2025-01-27 21:16 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/27/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-01/23/2025 <br>Open-Business Purpose disclosure signed prior to submission missing - Due Diligence Vendor-01/23/2025 |  | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/27/2025<br>|  |  |  | NJ | Investment | Refinance | Cash Out - Other | 3271161 | Originator Post-Close | N/A |
| XXXX | XXXX |  | 304498216 | Closed | 2025-01-23 12:36 | 2025-02-11 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower 1 Citizenship Identification Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Please find Perm resident cards, front and back to clear this finding, thank you - Buyer-02/10/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Non-US Citizen Identification Document Missing - Due Diligence Vendor-01/23/2025 |  | Resolved-Borrower 1 Citizenship Identification Documentation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3264573 | N/A | N/A |
| XXXX | XXXX |  | 304498111 | Closed | 2025-01-23 08:56 | 2025-01-28 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Resolved as requested tax cert provided with settlement agent sign. - Due Diligence Vendor-01/28/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-01/28/2025 <br>Ready for Review-Document Uploaded. tax cert attached - Buyer-01/27/2025 <br>Open-Missing Evidence of Property Tax Settlement agent signature is missing in provided tax cert. - Due Diligence Vendor-01/23/2025 |  | Resolved-Resolved as requested tax cert provided with settlement agent sign. - Due Diligence Vendor-01/28/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-01/28/2025<br>| Tax Cert.pdf |  |  | CA | Investment | Purchase | NA | 3263919 | N/A | N/A |
| XXXX | XXXX |  | 304481919 | Closed | 2025-01-24 04:20 | 2025-01-31 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Borrower Signed Business Purpose Affidavit disclosure document provided.<br> - Due Diligence Vendor-01/31/2025 <br>Resolved-Signed Business Purpose Affidavit disclosure document provided. - Due Diligence Vendor-01/31/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Signed Business Purpose Affidavit disclosure document provided. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. See attached - Buyer-01/30/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose & Occupancy Affidavit required to sign prior to submission document missing. - Due Diligence Vendor-01/24/2025 |  | Resolved-Borrower Signed Business Purpose Affidavit disclosure document provided.<br> - Due Diligence Vendor-01/31/2025 <br>Resolved-Signed Business Purpose Affidavit disclosure document provided. - Due Diligence Vendor-01/31/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Signed Business Purpose Affidavit disclosure document provided. - Due Diligence Vendor-01/31/2025<br>| Post Closing - Business Purpose and Occupancy Affidavit.pdf |  |  | FL | Investment | Purchase | NA | 3272859 | N/A | N/A |
| XXXX | XXXX |  | 304481919 | Closed | 2025-01-28 08:26 | 2025-01-31 09:08 | Resolved | 1 - Information B A | Credit | Doc Issue | Condo / PUD rider Missing | Resolved-PUD rider provided. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. Not a condo and PUD rider was in the file - Buyer-01/30/2025 <br>Open-Condo / PUD rider Missing PUD rider Missing in file. - Due Diligence Vendor-01/28/2025 |  | Resolved-PUD rider provided. - Due Diligence Vendor-01/31/2025<br>| PUd Rider.pdf |  |  | FL | Investment | Purchase | NA | 3293622 | N/A | N/A |
| XXXX | XXXX |  | 304493427 | Closed | 2025-01-28 21:19 | 2025-01-31 14:37 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/31/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Buyer-01/29/2025 <br>Open-Business Purpose disclosure signed prior to submission missing from file - Due Diligence Vendor-01/28/2025 |  | Acknowledged-BPL - EV2 - Due Diligence Vendor-01/31/2025<br>|  |  |  | NY | Investment | Purchase | NA | 3301255 | Originator Post-Close | No |
| XXXX | XXXX |  | 304493319 | Closed | 2025-01-27 13:21 | 2025-01-30 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Guides only require 3 months reserves which we have. Please clear this. - Buyer-01/29/2025 <br> Open-Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of 9 month(s) Reserve shortage not meeting closing requirements and provide additional assets documentation or Rent loss. - Due Diligence Vendor-01/27/2025 |  | Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-01/30/2025 |  |  |  | MO | Investment | Purchase | NA | 3284260 | N/A | N/A |
| XXXX | XXXX |  | 304498149 | Closed | 2025-01-28 08:15 | 2025-02-04 19:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Lender provided fully executed business purpose disclosure. Finding resolved. - Due Diligence Vendor-02/04/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-02/03/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit is missing in file. - Due Diligence Vendor-01/28/2025 |  | Resolved-Lender provided fully executed business purpose disclosure. Finding resolved. - Due Diligence Vendor-02/04/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3293610 | N/A | N/A |
| XXXX | XXXX |  | 304498087 | Closed | 2025-01-29 05:46 | 2025-02-04 14:03 | Resolved | 1 - Information C A | Compliance | Closing | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Resolved-Document Uploaded. Both attached with DOT and Note. Resolved. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Both attached with DOT and Note - Buyer-02/03/2025 <br>Open-Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty Prepayment addendum and Prepayment rider both are missing in file. - Due Diligence Vendor-01/29/2025 |  | Resolved-Document Uploaded. Both attached with DOT and Note. Resolved. - Due Diligence Vendor-02/04/2025<br>| X NOTE ADDEDUM.pdf<br>X DOT.pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 3302957 | N/A | N/A |
| XXXX | XXXX |  | 304498087 | Closed | 2025-01-29 05:56 | 2025-02-04 08:04 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment addendum and Prepayment rider provided. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Both attached - Buyer-02/03/2025 <br>Open-Prepayment addendum and Prepayment rider both are missing in file. - Due Diligence Vendor-01/29/2025 |  | Resolved-Prepayment addendum and Prepayment rider provided. - Due Diligence Vendor-02/04/2025<br>| X DOT.pdf<br>X NOTE ADDEDUM.pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 3302968 | N/A | N/A |
| XXXX | XXXX |  | 304498087 | Closed | 2025-01-29 05:57 | 2025-02-04 08:00 | Resolved | 1 - Information C A | Credit | Credit | Appraiser License Not Current at Time of Appraisal | Resolved-Able to verify Appraiser license in ASC.com.Updated in Property Tab. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Not sure what you need here-license was current at time of review and is still current - Buyer-02/03/2025 <br>Open-Can't able to verify Appraiser license in ASC.com Appraiser lookup. - Due Diligence Vendor-01/29/2025 |  | Resolved-Able to verify Appraiser license in XXXX.Updated in Property Tab. - Due Diligence Vendor-02/04/2025 | License.pdf |  |  | AZ | Investment | Refinance | Cash Out - Other | 3302975 | N/A | N/A |
| XXXX | XXXX |  | 304481974 | Closed | 2025-01-30 13:43 | 2025-02-19 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/18/2025 <br> Counter-Receipt of this income calculation w/s, however the income used by the underwriter on 1008 was $XXXX which does not match figures on the worksheet.<br> - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. Please see the attached income worksheet - Buyer-02/14/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet in file - Due Diligence Vendor-01/30/2025 |  | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-02/19/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3314912 | N/A | N/A |
| XXXX | XXXX |  | 304481974 | Closed | 2025-01-31 03:07 | 2025-01-31 03:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.937%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#729 and the Final Closing disclosure on Pg#394. Rate lock date was entered correctly see Pg#'s 827 An interior and exterior appraisal was completed for this property – see pg 81, 1388 the appraisal disclosure was provided to the borrower(s)- see Pg#' 81, 1388 and copy of the appraisal was given to the borrower see Pg 81, 1388, 823 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/31/2025 |  | Resolved-The loan's (10.937%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#729 and the Final Closing disclosure on Pg#394. Rate lock date was entered correctly see Pg#'s 827 An interior and exterior appraisal was completed for this property – see pg 81, 1388 the appraisal disclosure was provided to the borrower(s)- see Pg#' 81, 1388 and copy of the appraisal was given to the borrower see Pg 81, 1388, 823 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/31/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3322950 | N/A | N/A |
| XXXX | XXXX |  | 304493388 | Closed | 2025-02-05 14:27 | 2025-02-07 14:15 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/07/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAcknowledged; please downgrade to a Non-Material Grade 2 - Buyer-02/07/2025 <br>Open-The Final 1003 is Missing Note is signed by member of business entity application is required for business entity - Due Diligence Vendor-02/05/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-02/07/2025<br>|  |  |  | ID | Investment | Refinance | Cash Out - Other | 3354203 | Originator Post-Close | No |
| XXXX | XXXX |  | 304498019 | Closed | 2025-02-04 08:25 | 2025-02-06 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Resolved as Requested Borrower 1 Non-US Citizen Identification Document Provided. - Due Diligence Vendor-02/06/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. Please see attached document. - Buyer-02/05/2025 <br>Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Citizenship Identification Documentation Missing - Due Diligence Vendor-02/04/2025 |  | Resolved-Resolved as Requested Borrower 1 Non-US Citizen Identification Document Provided. - Due Diligence Vendor-02/06/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/06/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3342836 | N/A | N/A |
| XXXX | XXXX |  | 304493390 | Closed | 2025-02-05 21:32 | 2025-02-13 16:43 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/13/2025 <br>Ready for Review-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2 - Buyer-02/12/2025 <br>Open-The Final 1003 is Missing Missing Final 1003 which was borrower signed and dated. - Due Diligence Vendor-02/05/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3360402 | Originator Post-Close | No |
| XXXX | XXXX |  | 304493390 | Closed | 2025-02-03 13:00 | 2025-02-13 16:41 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Acknowledged-EV2 - Due Diligence Vendor-02/13/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2 - Buyer-02/12/2025 <br>Open- - Due Diligence Vendor-02/03/2025 |  | Acknowledged-EV2 - Due Diligence Vendor-02/13/2025<br>|  |  |  | FL | Investment | Purchase | NA | 3333850 | Originator Post-Close | No |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-06 06:46 | 2025-02-12 21:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the Initial CD was received - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/10/2025 <br>Open-TRID: Missing Closing Disclosure Miissng initial CD. - Due Diligence Vendor-02/06/2025 |  | Resolved-the Initial CD was received - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3362455 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-12 21:34 | 2025-02-12 21:47 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __455__ and the Final Closing disclosure on Pg#'s _144___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _516____ An interior and exterior appraisal was completed for this property – see pg _33___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s __60___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/12/2025 <br>Open-The loan's (10.122%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-02/12/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __455__ and the Final Closing disclosure on Pg#'s _144___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _516____ An interior and exterior appraisal was completed for this property – see pg _33___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_59__ , and copy of the appraisal was given to the borrower – see Pg#'s __60___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/12/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3411402 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-12 21:34 | 2025-02-12 21:35 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-resolved - Due Diligence Vendor-02/12/2025 <br> Open-The Loan Product of (FIXED RATE) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) open - Due Diligence Vendor-02/12/2025 |  | Resolved-resolved - Due Diligence Vendor-02/12/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3411400 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-12 21:34 | 2025-02-12 21:35 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-resolved - Due Diligence Vendor-02/12/2025 <br> Open-The last Closing Disclosure Received Date (XXXX) is not at least 3 business days before the consummation date of (XXXX). The (FIXED RATE) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) open - Due Diligence Vendor-02/12/2025 |  | Resolved-resolved - Due Diligence Vendor-02/12/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3411401 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-06 05:22 | 2025-02-11 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded - Seller-02/10/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE is missing . Please Provide - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. SE VOE uploaded - Seller-02/10/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3362237 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-06 05:22 | 2025-02-11 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. SE VOE uploaded - Seller-02/10/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE is missing . Please Provide - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. SE VOE uploaded - Seller-02/10/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3362238 | N/A | N/A |
| XXXX | XXXX |  | 304481801 | Closed | 2025-02-06 20:53 | 2025-02-07 17:09 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Waived-Waiver and comp factors provided - Due Diligence Vendor-02/07/2025 <br> Unable to Resolve-Unable to Resolve-XXXXapproves exception - Buyer-02/07/2025 <br> Open-Exception pg no: 541<br> Exception approved to use 2 different bank accounts to meet the most recent XXXX<br> statements for BBS income analysis. Bwr explains banks changed due to credit card offers and keeping<br> all banking with the same institution. deposits remained consistent after move. Bwr has DTI < 35%, >$XXXX residual, and > XXXX reserves. <br> Exception to use 2 different bank accounts for XXXX months business income per borrower's lox XXXX offered better services/ 85% LTV/XXXX reserves/ 706 CS/ meets residual/<br> low DTI/<br> - Due Diligence Vendor-02/06/2025 |  | Waived-Waiver and comp factors provided - Due Diligence Vendor-02/07/2025<br>|  |  | Credit Score is 707. Minimum required per guidelines is 680.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months.<br>| TX | Primary Residence | Purchase | NA | 3369597 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304493438 | Closed | 2025-02-07 21:28 | 2025-02-12 20:59 | Resolved | 1 - Information D A | Credit | Credit | Payment Letter is missing | Resolved-First Payment letter was received. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/11/2025 <br>Open-First Payment letter is missing - Due Diligence Vendor-02/07/2025 |  | Resolved-First Payment letter was received. - Due Diligence Vendor-02/12/2025<br>| First Payment Letter.pdf |  |  | MD | Investment | Purchase | NA | 3379635 | N/A | N/A |
| XXXX | XXXX |  | 304481991 | Closed | 2025-02-05 16:29 | 2025-02-25 12:03 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Condition raised for "Provided XXXX bank statement for only one month, for purchase transaction required minimum 2 months bank statements." but as per Guidelines "Account statements for the most recent month or quarter indicating opening and closing balances and reflecting a consecutive 30 days of asset verification." - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. We now only require 30 days' worth of assets per the updated guidelines and matrices. Please clear this finding.<br>7.3 ASSET DOCUMENTATION<br> Assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 30 days from<br> closing date or sourced.<br> Assets must be verified with one of the following:<br> Ÿ Account statements for the most recent month or quarter indicating opening and closing balances and<br> reflecting a consecutive 30 days of asset verification.<br> o If account summary page provides the required information, additional pages of the statement<br> are not required.<br> Ÿ Written Verification of Deposit (VOD), completed by the financial institution:<br> o Must include the current and average balances for the most recent month.<br> o Large disparities between the current balance and the opening balance will require additional<br> verification or supporting documentation.<br> Note: Large and/or unusual deposits may require additional documentation including letter of explanation, third<br> party documentation, etc. - Buyer-02/25/2025 <br> Open-Provided XXXX bank statement for only one month, for purchase transaction required minimum 2 months bank statements. - Due Diligence Vendor-02/05/2025 |  | Resolved-Condition raised for "Provided XXXX bank statement for only one month, for purchase transaction required minimum 2 months bank statements." but as per Guidelines "Account statements for the most recent month or quarter indicating opening and closing balances and reflecting a consecutive 30 days of asset verification." - Due Diligence Vendor-02/25/2025 | WHSL Product Matrices (57).pdf |  |  | ME | Investment | Purchase | NA | 3355993 | N/A | N/A |
| XXXX | XXXX |  | 304498239 | Closed | 2025-02-06 05:16 | 2025-02-11 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12 Months of Housing History is verified from uploaded Credit Supplement & Mortgage Statement, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/11/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Please find attached the VOM, 1003, and the transfer letter of mortgage for the primary residence." - Buyer-02/10/2025 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-02/06/2025 |  | Resolved-12 Months of Housing History is verified from uploaded Credit Supplement & Mortgage Statement, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/11/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3362219 | N/A | N/A |
| XXXX | XXXX |  | 304498096 | Closed | 2025-02-14 11:53 | 2025-02-27 14:40 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Received PCCD, finding resolved - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. PCCD attached. - Buyer-02/26/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment penalty is note $ XXXX Not supported by closing disclosure prepayment amount $ XXXX<br> - Due Diligence Vendor-02/14/2025 |  | Resolved-Received PCCD, finding resolved - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3423313 | N/A | N/A |
| XXXX | XXXX |  | 304498096 | Closed | 2025-02-18 05:11 | 2025-02-27 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-XXXX Statement provided. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s).<br> - Due Diligence Vendor-02/27/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. attached. - Seller-02/26/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Assets available in final 1003 document but Bank Statements missing from file to verify the Assets. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. attached. - Seller-02/26/2025<br>| Resolved-XXXX Statement provided. Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s).<br> - Due Diligence Vendor-02/27/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-02/27/2025 | XXXX |  |  | TX | Investment | Purchase | NA | 3436464 | N/A | N/A |
| XXXX | XXXX |  | 304498096 | Closed | 2025-02-14 07:39 | 2025-02-26 15:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Received documentation, finding resolved - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. DOT and all riders attached. - Seller-02/24/2025 <br>Open-PUD Rider is Missing PUD Rider Missing in the file. - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. DOT and all riders attached. - Seller-02/24/2025<br>| Resolved-Received documentation, finding resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3422566 | N/A | N/A |
| XXXX | XXXX |  | 304498096 | Closed | 2025-02-18 04:34 | 2025-02-26 15:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Received documentation, finding resolved - Due Diligence Vendor-02/26/2025 <br>Ready for Review-Document Uploaded. DOT & riders attached. - Seller-02/24/2025 <br>Open-As per DOT Prepayment rider is checked but Rider is Missing. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. DOT & riders attached. - Seller-02/24/2025<br>| Resolved-Received documentation, finding resolved - Due Diligence Vendor-02/26/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3436388 | N/A | N/A |
| XXXX | XXXX |  | 304498096 | Closed | 2025-02-14 06:43 | 2025-02-19 17:04 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-02/19/2025 <br>Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Seller-02/19/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit signed prior to submission missing - Due Diligence Vendor-02/18/2025 | Unable to Resolve-Unable to Resolve-XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> - Seller-02/19/2025<br>| Acknowledged-BPL EV2 - Due Diligence Vendor-02/19/2025<br>|  |  |  | TX | Investment | Purchase | NA | 3422387 | Originator Post-Close | No |
| XXXX | XXXX |  | 304498219 | Closed | 2025-02-18 21:33 | 2025-03-06 13:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/06/2025 <br> Ready for Review-Document Uploaded. XXXX, articles of organization for business have been provided. - Buyer-03/05/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Business bank statement in file used for reserves however no supporting documentation in file reflects borrowers have full access to business funds - Due Diligence Vendor-02/18/2025 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 3441892 | N/A | N/A |
| XXXX | XXXX |  | 304493412 | Closed | 2025-03-26 23:38 | 2025-04-15 18:05 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-DOT Prepayment Rider provided in Findings: XXXX. Resolved. - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. PP Rider uploaded for review. - Seller-04/14/2025 <br> Open-The Mortgage does not reflect a Prepayment Penalty Rider however the Note and Lock reflect that a PPP is applicable. There is no Rider referenced in Section (E) or provided. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. PP Rider uploaded for review. - Seller-04/14/2025<br>| Resolved-DOT Prepayment Rider provided in Findings: XXXX. Resolved. - Due Diligence Vendor-04/15/2025 | XXXX |  |  | IL | Investment | Purchase | NA | 3704266 | N/A | N/A |
| XXXX | XXXX |  | 304493412 | Closed | 2025-02-16 11:00 | 2025-04-03 21:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Prepayment Addendum to Note was provided in Findings. Resolved. - Due Diligence Vendor-04/03/2025 <br> Resolved-The Note is Present - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. Prepayment Addendum uploaded for review. - Buyer-04/02/2025 <br> Counter-The Lock Confirmation was provided but not the Prepayment Addendum to the Note. That is what we are looking for. The SETTLEMENT STATEMENT (HUD-1) reflects a PPP of $XXXX and the Note refers to an 'attached prepayment addendum' however it is not in file. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-The Lock Confirmation was provided but not the Prepayment Addendum to the Note. That is what we are looking for. The SETTLEMENT STATEMENT (HUD-1) reflects a PPP of $XXXX and the Note refers to an attached prepayment addendum however it is not in file. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Lender has now changed their mind and have PPP added to the loan. Corrected docs to follow. - Seller-03/25/2025 <br> Ready for Review-Document Uploaded. Lender has elected to reprice and there will be no PPP. Please Rescind - Seller-03/25/2025 <br> Open-The Note is Incomplete The Prepayment Penalty Addendum is missing from the Note document. - Due Diligence Vendor-02/16/2025 | Ready for Review-Lender has now changed their mind and have PPP added to the loan. Corrected docs to follow. - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. Lender has elected to reprice and there will be no PPP. Please Rescind - Seller-03/25/2025<br>| Resolved-The Prepayment Addendum to Note was provided in Findings. Resolved. - Due Diligence Vendor-04/03/2025 <br>Resolved-The Note is Present - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 3431472 | N/A | N/A |
| XXXX | XXXX |  | 304493412 | Closed | 2025-02-16 11:02 | 2025-03-03 09:16 | Resolved | 1 - Information C A | Property | Property | Flip or Rapid Resale of Property | Resolved-Resolved as a secondary appraisal is not required as sales price increased by XXXX% & also property owner for more than 180 days, secondary appraisal is only required when "Greater than XXXX% increase in sales price if seller acquired the property in the past 91-180 days". - Due Diligence Vendor-03/03/2025 <br> Ready for Review-There is a XXXX% increase in value between the last sale date, XXXX, to when the purchase contract was executed, XXXX. Due to it being less than XXXX% and also greater than 180 days, this does not require a second appraisal or rapid flip. - Buyer-02/28/2025 <br> Open-Flip or Rapid Resale. The sales price of this transaction is $XXXX which is greater than XXXX% of the prior sales price of $XXXX. Per the Appraisal, the Date of Prior Sale/Transfer per the appraisal was XXXX and Price of Prior Sale/Transfer was $XXXX. The Appraiser notes the subject was listed thru MLS and that this is an Arms-length sale. Per the Title Commitment Schedule B #14 24 MONTH CHAIN OF TITLE on p 608, The Chain of Title shows that XXXX took title by Warranty deed dated XXXX and recorded XXXX as document number XXXX. The Last Deed in The Chain of Title shows that XXXX took title by Warranty deed dated XXXX and recorded XXXX as document number XXXX. - Due Diligence Vendor-02/16/2025 |  | Resolved-Resolved as a secondary appraisal is not required as sales price increased by XXXX% & also property owner for more than 180 days, secondary appraisal is only required when "Greater than XXXX% increase in sales price if seller acquired the property in the past 91-180 days". - Due Diligence Vendor-03/03/2025 |  |  |  | IL | Investment | Purchase | NA | 3431475 | N/A | N/A |
| XXXX | XXXX |  | 304639378 | Closed | 2025-02-19 06:10 | 2025-02-24 15:55 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception pf no: 969<br> Exception for transferred appraisal not ordered thru an XXXX is approved. Broker is also national lender - Due Diligence Vendor-02/19/2025 |  | Waived-Exception pf no: 969<br> Exception for transferred appraisal not ordered thru an XXXX is approved. Broker is also national lender - Due Diligence Vendor-02/19/2025 |  |  | LTV is 70%. Maximum allowed per guidelines is 75%<br> Credit score is 715. Minimum required per guidelines is 700<br> Borrower housing history is 0x30, 36 months. Housing History required per guidelines is 0x30, 12 months | TN | Investment | Purchase | NA | 3443039 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304481941 | Closed | 2025-02-20 11:25 | 2025-04-16 14:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Document received - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-04/15/2025 <br>Open-PUD Rider is Missing Subject is in PUD, Provide PUD rider missing in file - Due Diligence Vendor-02/20/2025 |  | Resolved-Document received - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3452433 | N/A | N/A |
| XXXX | XXXX |  | 304481941 | Closed | 2025-02-20 13:03 | 2025-04-16 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Required Document Provided, Changes Made in system, DTI within GL's, Finding Resolved - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. per our UW team In order to lower DTI, received updated 1003/1008 with lower HOI payment to $XXXX/mo and borrower paying off all debts except for Best Egg installment. - Seller-04/15/2025 <br> Open-Audited DTI Exceeds Guideline DTI Audited DTI exceeding the guidelines. (All other monthly payments calculated is $XXXX vs $XXXX in 1008, payment and tradelines updated from Gap report. Tradelines XXXX has $XXXX payment and Tradeline XXXX having $XXXX payment.) - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. per our UW team In order to lower DTI, received updated 1003/1008 with lower HOI payment to XXXX/mo and borrower paying off all debts except for XXXX installment. - Seller-04/15/2025 | Resolved-Required Document Provided, Changes Made in system, DTI within GL's, Finding Resolved - Due Diligence Vendor-04/16/2025<br>| 1008 - Transmittal Summary.pdf<br>MergedDocument.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3452859 | N/A | N/A |
| XXXX | XXXX |  | 304481941 | Closed | 2025-02-20 09:30 | 2025-04-14 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. attached - Buyer-04/11/2025 <br> Counter-Existence of business is outside of 10 days from closing. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-banks statement program, VOE is not needed please rescind. - Seller-04/08/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE missing in file, (Business entity provided in loan file is not within 10 days) - Due Diligence Vendor-02/20/2025 | Ready for Review-banks statement program, VOE is not needed please rescind. - Seller-04/08/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/14/2025<br>| VOE.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3452116 | N/A | N/A |
| XXXX | XXXX |  | 304481941 | Closed | 2025-02-20 13:10 | 2025-04-09 23:04 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Exception Approved - Exception clarified, borrower is far along path to permanent residency, with card valid for extended 5-year period. - Due Diligence Vendor-04/09/2025 <br>Unable to Resolve-Unable to Resolve-Document Uploaded. see approved exception - Seller-04/08/2025 <br>Counter-We cannot use credit comp factors to waive citizenship conditions. - Due Diligence Vendor-02/26/2025 <br>Unable to Resolve-Unable to Resolve-XXXXapproves exception - Buyer-02/26/2025 <br>Open-Exception for Non-Permanent resident alien with EAD Category C09P, no valid visa. Page 924 - Due Diligence Vendor-02/20/2025 | Unable to Resolve-Unable to Resolve-Document Uploaded. see approved exception - Seller-04/08/2025<br>| Waived-Exception Approved - Exception clarified, borrower is far along path to permanent residency, with card valid for extended 5-year period. - Due Diligence Vendor-04/09/2025<br>| Underwriting Exception History (2022).pdf |  | Credit Score is 739. Minimum required per guidelines is 680.<br> LTV is 74.7%. Maximum allowed per guidelines is 85%. | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3452890 | Investor Post-Close | No |
| XXXX | XXXX |  | 304481941 | Closed | 2025-02-25 18:41 | 2025-03-03 18:58 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Lender provided Appraisal Update confirming there is no damage evident to property. Finding resolved. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. dated after incident date, please rescind. - Buyer-02/27/2025 <br> Open-Property potentially affected by FEMA XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.<br> - Due Diligence Vendor-02/25/2025 |  | Resolved-Lender provided Appraisal Update confirming there is no damage evident to property. Finding resolved. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3478711 | N/A | N/A |
| XXXX | XXXX |  | 304493359 | Closed | 2025-02-24 10:45 | 2025-02-26 18:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Waiver accepted, comp factors updated by TPR - Due Diligence Vendor-02/26/2025 <br>Unable to Resolve-Unable to Resolve-XXXXapproves exception - Buyer-02/26/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Manager Notes: Exception at pg#151<br> Exception for no primary housing history is approved. Borrower lives rent-free with <br> family. - Due Diligence Vendor-02/24/2025 |  | Waived-Waiver accepted, comp factors updated by TPR - Due Diligence Vendor-02/26/2025<br>|  |  | 1) Audited LTV 25.94%: Guidelines Requirement is 75%<br> 2)Good Cash Flow with 1.25: DSCR Requirement is 1<br> 3) FICO 711; minimum 700 | AL | Investment | Refinance | Cash Out - Other | 3467139 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304639407 | Closed | 2025-02-22 04:38 | 2025-03-06 13:28 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Waived-The borrower is a Non-Permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational. Please downgrade and waive this condition - Due Diligence Vendor-03/06/2025 <br> Ready for Review-We can proceed with downgrading and waiving this condition. The borrower is a Non-Permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational. Please downgrade and waive this condition, as we have supporting documentation to verify the borrower's status. <br>Comps: Credit score 807, DSCR 1.042, experience investment history, XXXX reserves - Buyer-03/04/2025 <br> Open-The Final 1003 is Incomplete Final 1003 reflects Citizenship as Non-Permanent Resident Alien but Residency document provided in Page#730 shows Citizenship as Permanent Resident Alien. Provide updated final 1003 with correct Citizenship selection. - Due Diligence Vendor-02/22/2025 |  | Waived-The borrower is a Non-Permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational. Please downgrade and waive this condition - Due Diligence Vendor-03/06/2025<br>|  |  | 1. High Credit Score of 807.<br> 2. DSCR of 1.042.<br> 3. High reserves of XXXX months. | LA | Investment | Purchase | NA | 3465970 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 304639407 | Closed | 2025-02-24 04:50 | 2025-03-05 11:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Please see the attached SSR secondary valuation indicating a 1.0 low risk. Kindly clear this finding - Buyer-03/04/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation document which is required for securitization. - Due Diligence Vendor-02/24/2025 |  | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | LA | Investment | Purchase | NA | 3466416 | N/A | N/A |
| XXXX | XXXX |  | 304639211 | Closed | 2025-02-24 08:30 | 2025-02-27 23:52 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXXacknowledges - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Please see attached final business purpose affidavit. For initial business purpose affidavit: Seller cannot produce, XXXXacknowledged. Please downgrade to Non-Material Grade 2 - Buyer-02/26/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial and final business purpose affidavits are missing in file. - Due Diligence Vendor-02/24/2025 |  | Acknowledged-XXXXacknowledges - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | PA | Investment | Refinance | No Cash Out - Borrower Initiated | 3466864 | Investor Post-Close | No |
| XXXX | XXXX |  | 304637985 | Closed | 2025-03-03 19:43 | 2025-03-13 16:40 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-PDI shows cleared. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. - Seller-03/12/2025 <br> Open-Property potentially affected by FEMA XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-PDI shows cleared. - Due Diligence Vendor-03/13/2025<br>| Disaster Report.pdf |  |  | CA | Primary Residence | Purchase | NA | 3515711 | N/A | N/A |
| XXXX | XXXX |  | 304637985 | Closed | 2025-02-27 10:37 | 2025-03-13 04:30 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Borrower 1 Ethnicity Selection is Provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/13/2025 <br>Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. - Seller-03/12/2025 <br>Open-Borrower 1 Ethnicity Selection is Not Provided Provide the Ethnicity Selection as it is missing in final 1003 and initial 1003. - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-03/12/2025<br>| Resolved-Borrower 1 Ethnicity Selection is Provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/13/2025 <br>Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-03/13/2025<br>| Ethnicity Update.pdf |  |  | CA | Primary Residence | Purchase | NA | 3490092 | N/A | N/A |
| XXXX | XXXX |  | 304637985 | Closed | 2025-02-27 10:44 | 2025-03-03 08:33 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 document as it is missing in file.<br> - Due Diligence Vendor-02/27/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025<br>| Resolved-1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/03/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3490118 | N/A | N/A |
| XXXX | XXXX |  | 304639338 | Closed | 2025-02-28 09:22 | 2025-03-10 18:57 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-BPL - EV2 - Due Diligence Vendor-03/10/2025 <br>Ready for Review-XXXXAcknowledged; please downgrade to a Non-Material Grade 2 - Seller-03/06/2025 <br>Open-The Final 1003 is Incomplete Missing business entity 1003 - Due Diligence Vendor-02/28/2025 | Ready for Review-XXXXAcknowledged; please downgrade to a Non-Material Grade 2 - Seller-03/06/2025<br>| Acknowledged-BPL - EV2 - Due Diligence Vendor-03/10/2025<br>|  |  |  | IN | Investment | Refinance | Cash Out - Other | 3499171 | Originator Post-Close | No |
| XXXX | XXXX |  | 304639338 | Closed | 2025-02-28 22:11 | 2025-03-10 18:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the lock confirmation showing the PPP at XXXX. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/10/2025 <br> Open-TRID: Missing Final Closing Disclosure Final Closing disclosure has prepayment amount listed, lock confirmation states loan does not have a prepayment - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Received the lock confirmation showing the PPP at 5 years. - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 3506945 | N/A | N/A |
| XXXX | XXXX |  | 304639338 | Closed | 2025-02-28 22:09 | 2025-03-10 18:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Missing received the Rider<br> - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/10/2025 <br>Open-The Deed of Trust is Missing Deed of Trust listing prepayment, lock confirmation states loan does not have a prepayment - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-The Deed of Trust is Missing received the Rider<br> - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 3506928 | N/A | N/A |
| XXXX | XXXX |  | 304639338 | Closed | 2025-02-28 08:10 | 2025-03-10 18:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/10/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is not in file. - Due Diligence Vendor-02/28/2025 |  | Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 3499065 | N/A | N/A |
| XXXX | XXXX |  | 304639338 | Closed | 2025-02-28 09:14 | 2025-03-10 18:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Waiver and comp factors accepted - Due Diligence Vendor-03/10/2025 <br> Unable to Resolve-Unable to Resolve-XXXXapproves exception - Buyer-03/06/2025 <br> Open-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception for loan amount <$XXXX - Due Diligence Vendor-02/28/2025 |  | Waived-Waiver and comp factors accepted - Due Diligence Vendor-03/10/2025<br>|  |  | Borrower Housing History is 0X30, 20 months. Housing History required per guidelines is 0X30, 12 months.<br> Credit Score is 740. Minimum required per guidelines is 700.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months. | IN | Investment | Refinance | Cash Out - Other | 3499161 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304481893 | Closed | 2025-02-28 07:50 | 2025-03-06 13:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Updated TRID Page. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Initial CD uploaded for review. - Buyer-03/05/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD. - Due Diligence Vendor-02/28/2025 |  | Resolved-Updated TRID Page. - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3499024 | N/A | N/A |
| XXXX | XXXX |  | 304481893 | Closed | 2025-03-06 13:26 | 2025-03-06 13:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-03/06/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-03/06/2025 |  | Resolved-Resolved - Due Diligence Vendor-03/06/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3542365 | N/A | N/A |
| XXXX | XXXX |  | 304481893 | Closed | 2025-02-28 05:56 | 2025-03-06 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated credit page. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Gap report/DM uploaded for review. - Buyer-03/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report. - Due Diligence Vendor-02/28/2025 |  | Resolved-Updated credit page. - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3498767 | N/A | N/A |
| XXXX | XXXX |  | 304639241 | Closed | 2025-03-05 05:40 | 2025-03-19 14:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/17/2025 <br>Open-PUD Rider is Missing Provide PUD rider. - Due Diligence Vendor-03/05/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3528643 | N/A | N/A |
| XXXX | XXXX |  | 304639241 | Closed | 2025-03-05 05:42 | 2025-03-19 14:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. DOT checked-PUD rider provided on other condition - Buyer-03/18/2025 <br>Open-The Deed of Trust is Incomplete Provide updated DOT with PUD rider info checked in. - Due Diligence Vendor-03/05/2025 |  | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3528651 | N/A | N/A |
| XXXX | XXXX |  | 304639241 | Closed | 2025-03-05 19:09 | 2025-03-11 15:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received initial CD, finding resolved - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-TRID: Missing Closing Disclosure Missing initial closing disclosure - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Received initial CD, finding resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3535776 | N/A | N/A |
| XXXX | XXXX |  | 304639241 | Closed | 2025-03-05 07:40 | 2025-03-10 18:32 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Waiver and comp factors accepted - Due Diligence Vendor-03/10/2025 <br>Unable to Resolve-Unable to Resolve-XXXXapproves exception - Buyer-03/07/2025 <br>Open-Exception to allow multiple accounts. Borrower moved from personal to business. Only income-related deposits used to calculate DTI - Due Diligence Vendor-03/05/2025 |  | Waived-Waiver and comp factors accepted - Due Diligence Vendor-03/10/2025<br>|  |  | DTI is 21.33%. Maximum allowed per guidelines is 50%.<br> LTV is 80%. Maximum allowed per guidelines is 85%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.  | IL | Primary Residence | Purchase | NA | 3528996 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304639241 | Closed | 2025-03-11 15:33 | 2025-03-11 15:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.106%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#865 and the Final Closing disclosure on Pg#'517, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'903. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#1058, and confirmation the appraisal was delivered to the borrower – see Pg#595. The loan meets HPML guidelines - Due Diligence Vendor-03/11/2025 |  | Resolved-The loan's (9.106%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#865 and the Final Closing disclosure on Pg#'517, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'903. An interior and exterior appraisal was completed for this property – see pg#20, the appraisal disclosure was provided to the borrower(s)- see Pg#1058, and confirmation the appraisal was delivered to the borrower – see Pg#595. The loan meets HPML guidelines - Due Diligence Vendor-03/11/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3581464 | N/A | N/A |
| XXXX | XXXX |  | 304642320 | Closed | 2025-03-05 08:23 | 2025-03-11 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. Please see the attached renew policy. - Buyer-03/10/2025 <br>Open-Hazard Insurance Policy Partially Provided Given policy will be expired with 60 days to note date, required updated or renewed policy. - Due Diligence Vendor-03/05/2025 |  | Resolved-Updated Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 3529082 | N/A | N/A |
| XXXX | XXXX |  | 304639341 | Closed | 2025-03-06 11:54 | 2025-03-21 21:06 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD received reflecting the PPP of $XXXX. Resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-PCCD received reflecting the PPP of $XXXX. Resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. PCCD uploaded for review. - Buyer-03/18/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The PPP calculated on the Note screen is $XXXX and the PPP reflected on the Final CD & PCCD is $XXXX. - Due Diligence Vendor-03/06/2025 |  | Resolved-PCCD received reflecting the PPP of $XXXX. Resolved. - Due Diligence Vendor-03/21/2025 | XXXX |  |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 3541613 | N/A | N/A |
| XXXX | XXXX |  | 304639180 | Closed | 2025-03-08 05:31 | 2025-03-12 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Document Uploaded. Divorce Decree uploaded for review. - Buyer-03/12/2025 <br> Resolved-LOX provided. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. LOX uploaded for review. - Buyer-03/11/2025 <br> Open-Mortgage statements for XXXX on page #931 and XXXX on page #934. These mortgage payments have been excluded from liabilities. Need LOX from borrower stating these mortgage payments are paid by other persons.<br> - Due Diligence Vendor-03/08/2025 |  | Resolved-Document Uploaded. Divorce Decree uploaded for review. - Buyer-03/12/2025 <br>Resolved-LOX provided. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3563013 | N/A | N/A |
| XXXX | XXXX |  | 304639180 | Closed | 2025-03-07 15:41 | 2025-03-12 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. Gap Report/DM uploaded for review. - Buyer-03/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report. - Due Diligence Vendor-03/07/2025 |  | Resolved-Borrower 1 Gap Credit Report provided. Resolved - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3555234 | N/A | N/A |
| XXXX | XXXX |  | 304638147 | Closed | 2025-03-07 04:10 | 2025-03-14 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/14/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/13/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract Doc is Missing - Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Purchase Contract uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/14/2025 <br>Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3551581 | N/A | N/A |
| XXXX | XXXX |  | 304638147 | Closed | 2025-03-07 04:01 | 2025-03-14 07:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/14/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/13/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Income worksheet is Missing for the employment XXXX.<br>- Due Diligence Vendor-03/07/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/14/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3551560 | N/A | N/A |
| XXXX | XXXX |  | 304639136 | Closed | 2025-03-10 11:38 | 2025-03-10 12:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.938%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 109 and the Final Closing disclosure on Pg# 346 reflects escrows. Rate lock date was entered correctly see Pg.'s 1124 An interior and exterior appraisal was completed for this property – see pg. 57 the appraisal disclosure was provided to the borrower(s)- see Pg#'57 and copy of the appraisal was given to the borrower see Pg# 57 for the copy of the disclosure, ECOA disclosure page no #1118. The loan meets HPML guidelines." <br> - Due Diligence Vendor-03/10/2025 |  | Resolved-The loan's (8.938%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 109 and the Final Closing disclosure on Pg# 346 reflects escrows. Rate lock date was entered correctly see Pg.'s 1124 An interior and exterior appraisal was completed for this property – see pg. 57 the appraisal disclosure was provided to the borrower(s)- see Pg#'57 and copy of the appraisal was given to the borrower see Pg# 57 for the copy of the disclosure, ECOA disclosure page no #1118. The loan meets HPML guidelines." <br> - Due Diligence Vendor-03/10/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3567132 | N/A | N/A |
| XXXX | XXXX |  | 304498211 | Closed | 2025-03-09 08:34 | 2025-03-12 00:22 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception on page 1490 and approved for XXXX acres vs XXXX on investment. Subject is on larger lot, but no mixed use or agriculture. described as pastureland in appraisal, lot contributes only approx. 11% to value. Lot size bracketed by comps 1 and 4 from immediate area. Zoned residential and considered by appraiser to be suburb of XXXX - Due Diligence Vendor-03/09/2025 |  | Waived-Exception on page 1490 and approved for XXX acres vs XXXX on investment. Subject is on larger lot, but no mixed use or agriculture. described as pastureland in appraisal, lot contributes only approx. 11% to value. Lot size bracketed by comps 1 and 4 from immediate area. Zoned residential and considered by appraiser to be suburb of XXXX - Due Diligence Vendor-03/09/2025 |  |  | 01)Credit Score is 792. Minimum required per guidelines is 740.<br> 03)Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months.<br> 04)LTV is 60%. Maximum allowed per guidelines is 80%.<br> 05)Borrower Housing History is 0X30, 52 months. Housing History required per guidelines is 0X30, 12 months.<br>| NY | Investment | Purchase | NA | 3564767 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304639363 | Closed | 2025-03-10 14:18 | 2025-03-24 13:03 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Signed Deed of trust provided - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. dot on page 16 - Seller-03/20/2025 <br>Counter-Unable to open attachment, please re-upload document. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Please see the attached dot - Seller-03/18/2025 <br>Open-The Deed of Trust is Not Executed Provided Deed of Trust is Not Executed, missing with signature of borrower. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. dot on page 16 - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. Please see the attached dot - Seller-03/18/2025<br>| Resolved-Signed Deed of trust provided - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3568686 | N/A | N/A |
| XXXX | XXXX |  | 304639363 | Closed | 2025-03-12 15:20 | 2025-03-24 13:03 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXX | XXXX |  | XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3591868 | N/A | N/A |
| XXXX | XXXX |  | 304639363 | Closed | 2025-03-11 11:58 | 2025-03-19 23:38 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Waived-Exception Approved - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. We can proceed with downgrading and waiving this condition. The borrower is a permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational.<br>Comps: Credit score 795, DSCR 1.308, Experience investment history, XXXX months of reserves - Seller-03/18/2025 <br> Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower is Non permanent resident alien as per 1003, but in file ID provided is Permanent Resident Alien Card on page 391 which is not acceptable per G/Ls and require unexpired Passport / Visa for non permanent. US patriot act document also missing with information of Borrower. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. We can proceed with downgrading and waiving this condition. The borrower is a permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational.<br>Comps: Credit score 795, DSCR 1.308, Experience investment history, XXXX months of reserves - Seller-03/18/2025 | Waived-Exception Approved - Due Diligence Vendor-03/19/2025<br>| XXXX |  | 795 FICO<br> 1.308 DSCR | PA | Investment | Refinance | Cash Out - Other | 3578674 | Originator Post-Close | No |
| XXXX | XXXX |  | 304639363 | Closed | 2025-03-12 15:23 | 2025-03-19 12:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Please see the attached final CD - Buyer-03/18/2025 <br>Open-TRID: Missing Closing Disclosure Missing signed final CD in file - Due Diligence Vendor-03/12/2025 |  | Resolved-Final CD provided - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3591893 | N/A | N/A |
| XXXX | XXXX |  | 304639363 | Closed | 2025-03-10 14:02 | 2025-03-19 12:25 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Please see the attached note<br> - Seller-03/18/2025 <br>Open-The Note is Not Executed Provided Note is Not Executed, missing with signature of borrower. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. Please see the attached note<br> - Seller-03/18/2025<br>| Resolved-The Note is Executed - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | PA | Investment | Refinance | Cash Out - Other | 3568437 | N/A | N/A |
| XXXX | XXXX |  | 304639363 | Closed | 2025-03-10 13:58 | 2025-03-18 19:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose affidavit provided, Resolved. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Disregard please see the requested final business purpose form - Buyer-03/18/2025 <br> Ready for Review-Document Uploaded. We have the initial Business Purpose and Occupancy Affidavit signed for this loan. Could you please confirm if we can proceed with downgrading this and waiving the requirement moving forward?<br>Comps: Credit score 795, DSCR 1.308, Experience investment history, XXXX months of reserves<br> - Buyer-03/18/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Loan Type is 'DSCR' final signed Business Purpose Affidavit Disclosure is missing in file only initial provided<br> - Due Diligence Vendor-03/10/2025 |  | Resolved-Business Purpose affidavit provided, Resolved. - Due Diligence Vendor-03/18/2025<br>| Business Purpose and Occupancy Affidavit.pdf<br>business purpose.pdf |  |  | PA | Investment | Refinance | Cash Out - Other | 3568395 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-11 06:54 | 2025-03-31 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-03/31/2025 <br> Resolved-Income Calculator Provided, Resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br> Counter-The Bank Statement Income Calculator is not attached. There is an Analysis Summary with Qualified Income of $XXXX highlighted on page 1 but there is no breakdown as to how this figure was arrived at. Using the standard method of 100% ownership and a 50% expense factor, was unable to arrive at that figure based off the Total Deposits provided. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Bank Statement Summary uploaded for review. - Seller-03/20/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Income Calculator is Missing. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Bank Statement Summary uploaded for review. - Seller-03/20/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-03/31/2025 <br>Resolved-Income Calculator Provided, Resolved. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3577532 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-13 21:51 | 2025-03-31 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-03/31/2025 <br> Resolved-XXXX statement provided in Findings. Resolved. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. XXXX statement uploaded for review. - Seller-03/20/2025 <br> Open-Statement for the XXXX account referenced on the 1003 is missing. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. XXXX statement uploaded for review. - Seller-03/20/2025 | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-03/31/2025 <br> Resolved-XXXX statement provided in Findings. Resolved. - Due Diligence Vendor-03/24/2025 | XXXX |  |  | TN | Primary Residence | Purchase | NA | 3608444 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-11 06:54 | 2025-03-31 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close provided. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. CPa letter - Buyer-03/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing The VVOE within 10 days of closing is missing. - Due Diligence Vendor-03/11/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close provided. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3577530 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-11 06:54 | 2025-03-31 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 1 Business Bank Statements uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Income Bank Statements uploaded for review. - Seller-03/20/2025 <br>Open-Borrower 1 Business Bank Statements Missing Self-Employed borrower was qualified with 24 months bank statements however the bank statements are missing. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Income Bank Statements uploaded for review. - Seller-03/20/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/31/2025 <br>Resolved-Borrower 1 Business Bank Statements uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3577531 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-13 21:26 | 2025-03-31 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/31/2025 <br>Resolved-CPA Letter Provided, Resolved. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. cpa letter - Buyer-03/28/2025 <br>Counter-GL states Ownership percentage must be documented via CPA letter, Operating Agreement, or equivalent. The provided document reflects 'Status as Inactive-Dissolved'. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. Business License uploaded for review. - Seller-03/20/2025 <br>Open-Borrower 1 CPA Letter Missing The CPA letter or Articles of Incorporation, LLC docs, or sufficient docs are missing. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Business License uploaded for review. - Seller-03/20/2025<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/31/2025 <br>Resolved-CPA Letter Provided, Resolved. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3608273 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-13 21:26 | 2025-03-31 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative & Details Uploaded. - Due Diligence Vendor-03/31/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/27/2025 <br>Open-The Self-Employed business narrative is missing. - Due Diligence Vendor-03/13/2025 |  | Resolved-Business Narrative & Details Uploaded. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3608256 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-11 11:26 | 2025-03-28 13:01 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD proof provided. Resolved - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. - Seller-03/27/2025 <br> Open-Proof of the $XXXX EM Deposit is missing. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/27/2025<br>| Resolved-EMD proof provided. Resolved - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3578416 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-13 21:46 | 2025-03-24 21:38 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimate of $XXXX provided on Dec Page in Findings. Resolved. - Due Diligence Vendor-03/24/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Replacement Cost Estimate uploaded for review. - Seller-03/24/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'N/A' The Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and there is no Guaranteed Replacement Coverage or RCE in file. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Replacement Cost Estimate uploaded for review. - Seller-03/24/2025<br>| Resolved-Replacement Cost Estimate of $XXXX provided on Dec Page in Findings. Resolved. - Due Diligence Vendor-03/24/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-03/24/2025 | XXXX |  |  | TN | Primary Residence | Purchase | NA | 3608416 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-13 22:16 | 2025-03-24 21:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR provided in Findings. Housing History verified. Resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. VOR uploaded for review. - Buyer-03/20/2025 <br>Open-12 months housing history is missing. 1003 reflects borrower rents but no VOR or lease with verification of 12 months payments is in file. - Due Diligence Vendor-03/13/2025 |  | Resolved-VOR provided in Findings. Housing History verified. Resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3608604 | N/A | N/A |
| XXXX | XXXX |  | 304642168 | Closed | 2025-03-11 05:50 | 2025-03-24 21:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/24/2025 <br>Resolved-UDN report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Gap report uploaded for review. - Seller-03/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The Gap Credit Report is missing. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Gap report uploaded for review. - Seller-03/20/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/24/2025 <br>Resolved-UDN report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3577312 | N/A | N/A |
| XXXX | XXXX |  | 304639359 | Closed | 2025-03-13 07:55 | 2025-03-19 23:38 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Incomplete | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-03/19/2025 <br> Ready for Review-We can proceed with downgrading and waiving this condition. The borrower is a permanent Resident Alien, and the provided identification documents are for a Permanent Resident Card, which supports their citizenship status. Therefore, this condition should be classified as informational<br>Comps Fico 795, XXXX months of reserves and LTV 75.00 - Buyer-03/18/2025 <br> Open-The Final 1003 is Incomplete Citizenship discrepancy- Permanent resident on page 665 whereas provided 1003 reflecting non US citizen. Unexpired Visa/ Passport was not provided - Due Diligence Vendor-03/13/2025 |  | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-03/19/2025<br>|  |  |  | PA | Investment | Purchase | NA | 3599282 | Originator Post-Close | No |
| XXXX | XXXX |  | 304639187 | Closed | 2025-03-14 17:44 | 2025-04-07 21:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Rate lock LE provided. Mavent is passing, resolved. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. LE locked - Seller-04/04/2025 <br>Open-Initial LE is not locked. Missing rate lock LE. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. LE locked - Seller-04/04/2025<br>| Resolved-Rate lock LE provided. Mavent is passing, resolved. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3615749 | N/A | N/A |
| XXXX | XXXX |  | 304639187 | Closed | 2025-03-12 14:26 | 2025-04-07 20:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-04/07/2025 <br>Resolved-Home Loan Toolkit Provided, Resolved - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. docs attached. - Buyer-04/04/2025 <br>Open-Missing home loan toolkit - Due Diligence Vendor-03/12/2025 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-04/07/2025 <br>Resolved-Home Loan Toolkit Provided, Resolved - Due Diligence Vendor-04/07/2025<br>| MergedDocument.pdf |  |  | TX | Primary Residence | Purchase | NA | 3590855 | N/A | N/A |
| XXXX | XXXX |  | 304639187 | Closed | 2025-03-12 04:45 | 2025-04-07 07:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM report that is within 10 days from closing date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/04/2025 <br>Ready for Review-Document Uploaded. UDM attached. - Buyer-04/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap credit report missing in the file. - Due Diligence Vendor-03/12/2025 |  | Resolved-UDM report that is within 10 days from closing date uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025<br>| Debt Monitoring.pdf<br>MergedDocument.pdf |  |  | TX | Primary Residence | Purchase | NA | 3587865 | N/A | N/A |
| XXXX | XXXX |  | 304639167 | Closed | 2025-03-17 16:27 | 2025-03-19 14:33 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD provided to borrower w/ updated max prepayment penalty. - Due Diligence Vendor-03/19/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Buyer-03/19/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated max prepayment is $XXXX however the maximum amount per the Final CD is $XXXX, - Due Diligence Vendor-03/17/2025 |  | Resolved-PCCD provided to borrower w/ updated max prepayment penalty. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3626828 | N/A | N/A |
| XXXX | XXXX |  | 304639167 | Closed | 2025-03-12 04:52 | 2025-03-19 14:31 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-BPL EV2 - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. attached signed at closing. Please waive the initial copy. XXXXAgrees to waive; please downgrade to a Non-Material Grade 2.<br> Thank you - Buyer-03/17/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final & initial Business Purpose Affidavit Disclosures are missing in file, as loan type is DSCR we need both initial and final Business Purpose Affidavits. - Due Diligence Vendor-03/12/2025 |  | Acknowledged-BPL EV2 - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3587890 | Originator Post-Close | No |
| XXXX | XXXX |  | 304642171 | Closed | 2025-03-16 21:02 | 2025-03-20 20:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2025 <br> Open-Lock confirmation in file, however it indicates borrower was approved under the XXXX. - Due Diligence Vendor-03/16/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/20/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3621790 | N/A | N/A |
| XXXX | XXXX |  | 304642171 | Closed | 2025-03-12 11:24 | 2025-03-20 16:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated XXXX provided. - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-03/19/2025 <br> Open-TRID: Missing Closing Disclosure Missing initial Closing disclosure in file. Provide any applicable change of circumstances also. - Due Diligence Vendor-03/12/2025 |  | Resolved-Initial CD dated 2/28/2025 provided. - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3589001 | N/A | N/A |
| XXXX | XXXX |  | 304642171 | Closed | 2025-03-20 16:18 | 2025-03-20 16:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Fees updated in LM. - Due Diligence Vendor-03/20/2025 <br> Open-A Lender Credit for Excess Charges of ($XXXX), Principal Reduction for Excess Charges of ($XXXX), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. comment in LM - Due Diligence Vendor-03/20/2025 |  | Resolved-Fees updated in LM. - Due Diligence Vendor-03/20/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3658884 | N/A | N/A |
| XXXX | XXXX |  | 304642171 | Closed | 2025-03-20 16:18 | 2025-06-23 21:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-06/23/2025 <br>Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-03/20/2025 <br>Resolved-The loan's (8.929%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML requirements and an interior appraisal was performed. - Due Diligence Vendor-03/20/2025 |  | Resolved-HPML requirements have been met and an interior appraisal was performed. - Due Diligence Vendor-03/20/2025 <br>Resolved-The loan's (8.929%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML requirements and an interior appraisal was performed. - Due Diligence Vendor-03/20/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3658886 | N/A | N/A |
| XXXX | XXXX |  | 304638055 | Closed | 2025-03-13 11:55 | 2025-03-21 15:50 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-. - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. - Seller-03/20/2025 <br>Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Need Undiscounted rate document. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-. - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600281 | N/A | N/A |
| XXXX | XXXX |  | 304638055 | Closed | 2025-03-13 11:55 | 2025-03-21 15:50 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-You submitted a late fee amount of ($XXXX) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) Need Undiscounted rate document for maximum late fee. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-. - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600282 | N/A | N/A |
| XXXX | XXXX |  | 304638055 | Closed | 2025-03-13 11:55 | 2025-03-21 15:50 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/20/2025 <br> Open-The loan fees ($XXXX) exceed the (FED2014) (Note Amount >=$26,968.00) fee limit, which is 5% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (12 CFR 1026.32). Need Undiscounted rate document. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/20/2025<br>| Resolved-. - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600283 | N/A | N/A |
| XXXX | XXXX |  | 304638055 | Closed | 2025-03-13 11:55 | 2025-03-21 14:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Seller-03/19/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Need COC for Final CD for loan discount fee points $XXXX, as Initial CD showing loan discount fee is zero. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved- - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600280 | N/A | N/A |
| XXXX | XXXX |  | 304638055 | Closed | 2025-03-13 12:03 | 2025-03-19 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. Please see attached VOE and driver license. - Seller-03/18/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE Prior to Close, as it is missing in file. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Please see attached VOE and driver license. - Seller-03/18/2025<br>| Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600334 | N/A | N/A |
| XXXX | XXXX |  | 304638055 | Closed | 2025-03-13 11:55 | 2025-03-21 15:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/21/2025 <br>Resolved-. - Due Diligence Vendor-03/21/2025 <br>Resolved-The loan's (8.911%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 308, 278 and the Final Closing disclosure on Pg#'s 127, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 320. An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 348, and confirmation the appraisal was delivered to the borrower – see Pg#'s 110, 116. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/13/2025 |  | Resolved-. - Due Diligence Vendor-03/21/2025 <br>Resolved-. - Due Diligence Vendor-03/21/2025 <br>Resolved-The loan's (8.911%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 308, 278 and the Final Closing disclosure on Pg#'s 127, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 320. An interior and exterior appraisal was completed for this property – see pg# 31, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 348, and confirmation the appraisal was delivered to the borrower – see Pg#'s 110, 116. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/13/2025<br>|  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3600284 | N/A | N/A |
| XXXX | XXXX |  | 304643900 | Closed | 2025-03-20 17:12 | 2025-04-07 20:16 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Operating Agreement XXXX - Due Diligence Vendor-04/04/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. 4/2/25 - XXXX - Please refer to the uploaded operating agreement for XXXX showing that XXXX is the manager. XXXX is the managing member of XXXXX. - Seller-04/02/2025 <br> Open-Entity Formation Doc Indicator is Missing. Please provide Entity Documentation XXXX signing authority for XXXX - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. 4/2/25 - XXXX - Please refer to the uploaded operating agreement for XXXX showing that XXXX is the manager. XXXX is the managing member of XXXX. - Seller-04/02/2025 | Resolved-Operating Agreement XXXX shows XXXX. - Due Diligence Vendor-04/04/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025 | XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 3659594 | N/A | N/A |
| XXXX | XXXX |  | 304643900 | Closed | 2025-03-20 17:23 | 2025-04-02 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-DSCR 2.259 - Due Diligence Vendor-04/02/2025 <br> Ready for Review-3/31/25 - XXXX- Please refer to the uploaded sizer which shows the qualifying P & I payment of $XXXX. Previously uploaded guidelines verify that the qualifying payment is based on the fully amortized start rate. - Seller-03/31/2025 <br> Counter-Sizer Interest Only Payment $XXXX+HOI$XXXX+Tax$XXXX= $XXXX Market rent $XXXX DSCR 2.457. <br> - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. 3/26/25 - XXXX- Please refer to highlighted uploaded guideline which shows that for ARM loans the P & I is based on the start rate. - Seller-03/26/2025 <br> Counter-Countered by client request - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. 3/21/25- XXXX- Please refer to the uploaded guideline which shows that the P & I is based on the start rate, therefore the monthly P & i is $XXXX<br> - Seller-03/22/2025 <br> Open-Note 5/6 ARM 10 Year Interest Only with Initial Principal and Interest Monthly Payment $XXXX. $XXXX+HOI$XXXX+Tax$XXXX= $XXXX Total Monthly Lease for 2 Units $XXXX 1025 market rent $XXXX for DSCR 2.021. Requesting Sizer DSCR 2.021. - Due Diligence Vendor-03/20/2025 | Ready for Review-3/31/25 - XXXX - Please refer to the uploaded sizer which shows the qualifying P & I payment of $743.18. Previously uploaded guidelines verify that the qualifying payment is based on the fully amortized start rate. - Seller-03/31/2025 <br> Ready for Review-Document Uploaded. 3/26/25 - XXXX - Please refer to highlighted uploaded guideline which shows that for ARM loans the P & I is based on the start rate. - Seller-03/26/2025 <br> Ready for Review-Document Uploaded. 3/21/25- XXXX - Please refer to the uploaded guideline which shows that the P & I is based on the start rate, therefore the monthly P & i is $XXXX<br> - Seller-03/22/2025 | Resolved-DSCR 2.259 - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 3659726 | N/A | N/A |
| XXXX | XXXX |  | 304643575 | Closed | 2025-03-19 07:44 | 2025-03-25 11:24 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Credit Memo/Loan Approval Provided, Finding Resolved - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. 3/24/25 - XXXX- Uploaded credit memo with the correct guideline date. - Seller-03/24/2025 <br> Open-Provide Credit Memo with updated guideline version, Credit memo guideline version XXXX not matching with LM Tape/Bid Tape date reflecting XXXX.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. 3/24/25 - XXXX- Uploaded credit memo with the correct guideline date. - Seller-03/24/2025<br>| Resolved-Updated Credit Memo/Loan Approval Provided, Finding Resolved - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3643532 | N/A | N/A |
| XXXX | XXXX |  | 304643764 | Closed | 2025-03-18 18:12 | 2025-03-21 14:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025 <br>Open-Final HUD-1 Document is Missing. Request Signed Final HUD. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3639184 | N/A | N/A |
| XXXX | XXXX |  | 304638077 | Closed | 2025-03-17 04:00 | 2025-03-21 17:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Clarification form client received. LM has been updated - Due Diligence Vendor-03/21/2025 <br> Resolved-Clarification confirmed. Date is not required for XXXX loan - Due Diligence Vendor-03/21/2025 <br> Ready for Review-The deed of trust meets XXXX notary requirements. XXXX will have notary, but not notary date. - Seller-03/19/2025 <br> Open-The Deed of Trust is Incomplete Notary Date is missing in Deed of Trust document. Provide updated DOT with Notary Date. - Due Diligence Vendor-03/17/2025 | Ready for Review-The deed of trust meets XXXX notary requirements. XXXX will have notary, but not notary date. - Seller-03/19/2025 | Resolved-Clarification form client received. LM has been updated - Due Diligence Vendor-03/21/2025 <br>Resolved-Clarification confirmed. Date is not required for GA loan - Due Diligence Vendor-03/21/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3622000 | N/A | N/A |
| XXXX | XXXX |  | 304638077 | Closed | 2025-03-17 11:26 | 2025-03-21 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Client response received. File has been updated. Resolved - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Per lender, these were never signed as it is not required to be signed. They delivered the detailed disclosure tracking to show when these were delivered to the borrower. - Seller-03/19/2025 <br> Open-TRID: Missing Closing Disclosure Revised Closing Disclosure is not signed. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Per lender, these were never signed as it is not required to be signed. They delivered the detailed disclosure tracking to show when these were delivered to the borrower. - Seller-03/19/2025<br>| Resolved-Client response received. File has been updated. Resovled - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3623353 | N/A | N/A |
| XXXX | XXXX |  | 304638077 | Closed | 2025-03-17 11:26 | 2025-03-21 15:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Client clarification has been reviewed and received - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Per lender, these were never signed as it is not required to be signed. They delivered the detailed disclosure tracking to show when these were delivered to the borrower. - Seller-03/19/2025 <br>Open-Initial/Revised Loan Estimate is not signed. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Per lender, these were never signed as it is not required to be signed. They delivered the detailed disclosure tracking to show when these were delivered to the borrower. - Seller-03/19/2025<br>| Resolved-Client clarification has been reviewed and received - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3623352 | N/A | N/A |
| XXXX | XXXX |  | 304481952 | Closed | 2025-03-20 11:33 | 2025-03-25 12:37 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Tax calculations provided, 1.039 DSCR vs tape data confirmed meets DSCR minimum requirements - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br> Open-Per file calc tax and insurance amount is $XXXX, However per Final CD and PCCD Estimated Taxes, Insurance is $XXXX. Variance in tax amount. Calc tax amount per tax cert is $XXXX. Unable to verify DSCR tape data of 1.020. DSCR worksheet is missing in file. - Due Diligence Vendor-03/20/2025 |  | Resolved-Tax calculations provided, 1.039 DSCR vs tape data confirmed meets DSCR minimum requirements - Due Diligence Vendor-03/25/2025<br>| Tax calculation uised to qualify DSCR.docx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3655206 | N/A | N/A |
| XXXX | XXXX |  | 304481952 | Closed | 2025-03-20 13:25 | 2025-03-25 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br> Open-Missing Evidence of Property Tax Calc tax amount per tax cert page #1523 is $XXXX. Per Final CD tax amount is $XXXX. Discrepancy in tax amount causing DSCR variance - Due Diligence Vendor-03/20/2025 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/25/2025<br>| Tax calculation uised to qualify DSCR.docx |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 3656212 | N/A | N/A |
| XXXX | XXXX |  | 304668482 | Closed | 2025-03-20 04:59 | 2025-03-24 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation sheet provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/21/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-03/20/2025 |  | Resolved-Requested Income Calculation sheet provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/24/2025<br>| Income analysis sheet.pdf |  |  | GA | Primary Residence | Purchase | NA | 3653798 | N/A | N/A |
| XXXX | XXXX |  | 304639347 | Closed | 2025-03-17 05:25 | 2025-03-20 21:52 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. please see attached. - Buyer-03/19/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit final is Missing - Due Diligence Vendor-03/17/2025 |  | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3622228 | Investor Post-Close | No |
| XXXX | XXXX |  | 304639347 | Closed | 2025-03-17 08:28 | 2025-03-19 23:32 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved - Due Diligence Vendor-03/19/2025 <br> Unable to Resolve-Unable to Resolve-XXXXapproves exception. - Buyer-03/19/2025 <br> Open-Exception to allow 75% LTV for vacant property is approved. Property has been <br> renovated since purchase in XXXX. Using purchase + renovations for LTV calculation.<br> Exception is available on page 388 - Due Diligence Vendor-03/17/2025 |  | Waived-Exception Approved - Due Diligence Vendor-03/19/2025<br>|  |  | DSCR is 1.25. Minimum required per guidelines is 1.<br> Credit Score is 761. Minimum required per guidelines is 700. | FL | Investment | Refinance | Cash Out - Other | 3622743 | Investor Post-Close | No |
| XXXX | XXXX |  | 304668410 | Closed | 2025-03-17 05:20 | 2025-03-27 20:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Explanation Provided, cancelled checks present in file, Resolved. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Current residence payments from XXXX in the amount of $XXXX out ofXXXX(only at current residence XXXX at time of application<br> Subject property(which was her previous residence)- prev mortgage paid off XXX(on credit- page 6) new loan not taken out until XXXX- we have VOM plus cancelled checks in file- you will notice there are 2 checks dated in XXXX, one cleared in XXXX(check XXXX) and one cleared in XXXX(check XXXX)<br> - Buyer-03/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 months housing history. Primary Housing History for XXXX is financed by XXXX however that mortgage is not reflected on the CR and there is no VOM in file. Prior address of XXXX verified on VOM, p 793, that reflects XXXX reviewed. - Due Diligence Vendor-03/17/2025 |  | Resolved-Explanation Provided, cancelled checks present in file, Resolved. - Due Diligence Vendor-03/27/2025<br>|  |  |  | NV | Investment | Refinance | Cash Out - Other | 3622211 | N/A | N/A |
| XXXX | XXXX |  | 304668420 | Closed | 2025-03-18 11:25 | 2025-04-24 11:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LOX of application date provided. - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. LOE for LE and disclosure tracking provided - Buyer-04/23/2025 <br> Counter-Provide initial LE dated at time of application XXXX, subsequent LE's, any related COC's and the Disclosure Tracking Summary.<br> LE's XXXX was not the initial LE. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-04/07/2025 <br> Open-Provide the Initial LE and subsequent LE's, any related COC's and the Disclosure Tracking Summary. - Due Diligence Vendor-03/18/2025 |  | Resolved-LOX of application date provided. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3633660 | N/A | N/A |
| XXXX | XXXX |  | 304668352 | Closed | 2025-03-18 10:59 | 2025-05-02 18:51 | Acknowledged | 2 - Non-Material C B | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (First Lien) (8/15) | Acknowledged-XXXXAcknowledges. Escrow and counseling notice present in file, No PPP or special payoff. - Due Diligence Vendor-05/02/2025 <br> Counter-Selene shows that DIDMCA applies to Federally insured state banks, state credit unions, state savings institutions and state-chartered, FDIC- or NCUA-insured banks and credit unions. Provide information that the lender XXXX. is eligible for DIDMCA exemption. - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. XXXX has not opted out of DIDMCA so first lien federally related residential mortgage loans are not subject to any state law that expressly limits the rate or amount of interest - Buyer-04/07/2025 <br> Open-This is a XXXX Nonprime Home Loan. The loan's (9.604%) APR equals or exceeds the XXXX Nonprime Home Loan threshold of (8.35%). The difference is (1.254). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%). (XXXX. Gen. Stat. 36a-760(a)(7)) This is a XXXX Nonprime Home Loan. The loan's (9.604%) APR equals or exceeds the XXXX Nonprime Home Loan threshold of (8.35%). The difference is (1.254). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%). (XXXX. Gen. Stat. 36a-760(a)(7)) - Due Diligence Vendor-03/18/2025 |  | Acknowledged-XXXXAcknowledges. Escrow and counseling notice present in file, No PPP or special payoff. - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | CT | Primary Residence | Purchase | NA | 3633537 | Investor Post-Close | No |
| XXXX | XXXX |  | 304668352 | Closed | 2025-03-18 10:59 | 2025-03-20 19:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.604%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 419, 472-473 and the Final Closing disclosure on Pg#'s231, Rate lock date was entered correctly – see Pg#'s 417. An interior and exterior appraisal was completed for this property – see pg# 21, 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 596, 461, and confirmation the appraisal was delivered to the borrower – see Pg#'s 16. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/18/2025 |  | Resolved-The loan's (9.604%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 419, 472-473 and the Final Closing disclosure on Pg#'s231, Rate lock date was entered correctly – see Pg#'s 417. An interior and exterior appraisal was completed for this property – see pg# 21, 42, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 596, 461, and confirmation the appraisal was delivered to the borrower – see Pg#'s 16. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-03/18/2025<br>|  |  |  | CT | Primary Residence | Purchase | NA | 3633539 | N/A | N/A |
| XXXX | XXXX |  | 304631872 | Closed | 2025-03-19 09:46 | 2025-03-31 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/31/2025 <br> Resolved-Rental Ledger Provided, Resolved. - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-03/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Verified only XXXX from credit report. Provide VOR of $XXXX for borrower previous primary residence. - Due Diligence Vendor-03/19/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/31/2025 <br>Resolved-Rental Ledger Provided, Resolved. - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | OH | Investment | Purchase | NA | 3643923 | N/A | N/A |
| XXXX | XXXX |  | 304631872 | Closed | 2025-03-19 06:45 | 2025-03-28 20:05 | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-03/28/2025 <br> Unable to Resolve-Unable to Resolve-XXXXAcknowledged; please downgrade to a Non-Material Grade 2 - Buyer-03/27/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 Per GL's, Audited loan amount is $XXXX, However Per GL's minimum loan amount is $100000. - Due Diligence Vendor-03/19/2025 |  | Acknowledged-XXXXAcknowledges - Due Diligence Vendor-03/28/2025<br>|  |  |  | OH | Investment | Purchase | NA | 3643178 | Investor Post-Close | No |
| XXXX | XXXX |  | 304639379 | Closed | 2025-03-20 09:05 | 2025-03-26 01:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception in loan for min loan amount in page#586. for loan amount $XXXX vs $XXXX min. Subject is in "Good" condition with no required repairs or deferred maintenance. - Due Diligence Vendor-03/20/2025 |  | Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception in loan for min loan amount in page#586. for loan amount $XXXX vs $XXXX min. Subject is in "Good" condition with no required repairs or deferred maintenance. - Due Diligence Vendor-03/20/2025 |  |  | LTV is 63.33%. Maximum allowed per guidelines is 75%.<br> Credit Score is 709. Minimum required per guidelines is 660.<br> Borrower Housing History is 0X30, 33 months. Housing History required per guidelines is 0X30, 12 months. | AL | Investment | Refinance | Cash Out - Other | 3654499 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304668492 | Closed | 2025-03-20 11:57 | 2025-03-27 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Lender provided updated 1008 confirming hazard invoice. Finding resolved. - Due Diligence Vendor-03/27/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. It appears the UW used the higher HOI monthly at $XXXX. We have adjusted our system and provided updated 1008 for review reflecting monthly HOI escrows at $XXXX. Our Servicer is aware teh ammual HOI payment is $XXXX and will adjust the borrower's escrow account accordingly. Please clear this condition, thank you. - Buyer-03/26/2025 <br> Open-Hazard Insurance Policy Partially Provided Discrepancy in Premium amount from Hazard insurance doc to Final Cd and FPL. - Due Diligence Vendor-03/20/2025 |  | Resolved-Lender provided updated 1008 confirming hazard invoice. Finding resolved. - Due Diligence Vendor-03/27/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/27/2025<br>| Updated 1008.pdf |  |  | NJ | Primary Residence | Purchase | NA | 3655349 | N/A | N/A |
| XXXX | XXXX |  | 304668492 | Closed | 2025-03-20 09:37 | 2025-03-20 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.522%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _666___ and the Final Closing disclosure on Pg#'s __328__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _743____ An interior and exterior appraisal was completed for this property – see pg _132___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__132_ , and copy of the appraisal was given to the borrower – see Pg#'s _132____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-03/20/2025 |  | Resolved-The loan's (8.522%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _666___ and the Final Closing disclosure on Pg#'s __328__ reflects escrows. Rate lock date was entered correctly – see Pg#'s _743____ An interior and exterior appraisal was completed for this property – see pg _132___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__132_ , and copy of the appraisal was given to the borrower – see Pg#'s _132____ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-03/20/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3654590 | N/A | N/A |
| XXXX | XXXX |  | 304668361 | Closed | 2025-03-27 17:03 | 2025-04-11 17:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Waived-Exception Approved - Due Diligence Vendor-04/11/2025 <br>Unable to Resolve-Unable to Resolve-Document Uploaded. XXXXapproves exception - Buyer-04/11/2025 <br>Counter-Provide HOA/PUD hazard insurance as required per guides 12.2.1. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-PUD HOI not required. HOI in file provides enough coverage - Buyer-03/31/2025 <br>Open-Provide HOA/PUD hazard insurance. - Due Diligence Vendor-03/27/2025 |  | Waived-Exception Approved - Due Diligence Vendor-04/11/2025<br>| Underwriting Exception History (2022).pdf |  | 706 FICO<br> >XXXX months Reserves, min is XXXX | FL | Primary Residence | Purchase | NA | 3710858 | Investor Post-Close | No |
| XXXX | XXXX |  | 304668361 | Closed | 2025-03-25 14:11 | 2025-04-11 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE Provided hence resolved.<br> - Due Diligence Vendor-04/11/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-04/10/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence required within 10 business days of closing. - Due Diligence Vendor-03/25/2025 |  | Resolved-Requested 3rd Party VOE Provided hence resolved.<br> - Due Diligence Vendor-04/11/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3688308 | N/A | N/A |
| XXXX | XXXX |  | 304668361 | Closed | 2025-03-24 09:53 | 2025-03-27 18:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.153%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s IEAD and the Final Closing disclosure on Pg#'s 466, 163 Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 159 505, . An interior and exterior appraisal was completed for this property – see pg# 48-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s25, and confirmation the appraisal was delivered to the borrower – see Pg#'s24. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/24/2025 |  | Resolved-The loan's (9.153%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s IEAD and the Final Closing disclosure on Pg#'s 466, 163 Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 159 505, . An interior and exterior appraisal was completed for this property – see pg# 48-55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s25, and confirmation the appraisal was delivered to the borrower – see Pg#'s24. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/24/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3676847 | N/A | N/A |
| XXXX | XXXX |  | 304668381 | Closed | 2025-03-28 18:27 | 2025-04-04 21:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Note provided showing non-borrowing spouse listed along with HUD showing the property has been sold. History Clarified, Resolved. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Borrower was an owner of the property, but he was not obligated on the loan. Note has been uploaded showing non-borrowing spouse listed along with HUD showing the property has been sold. - Buyer-04/03/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing housing history for previous primary residence - Due Diligence Vendor-03/28/2025 |  | Resolved-Note provided showing non-borrowing spouse listed along with HUD showing the property has been sold. History Clarified, Resolved. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3722177 | N/A | N/A |
| XXXX | XXXX |  | 304668381 | Closed | 2025-03-25 07:59 | 2025-04-01 17:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Gap report uploaded for review. - Buyer-04/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report missing from file - Due Diligence Vendor-03/25/2025 |  | Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3686087 | N/A | N/A |
| XXXX | XXXX |  | 304668381 | Closed | 2025-03-28 18:03 | 2025-04-01 17:24 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure Provided, Resolved. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. Anti-Steering Disclosure uploaded for review. - Buyer-04/01/2025 <br>Open- - Due Diligence Vendor-03/28/2025 |  | Resolved-Anti-Steering Disclosure Provided, Resolved. - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3721848 | N/A | N/A |
| XXXX | XXXX |  | 304668422 | Closed | 2025-03-26 06:04 | 2025-04-07 20:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 <br>Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-04/07/2025 <br>Ready for Review-Document Uploaded. Fraud guard shows UDM - Buyer-04/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower Gap Credit Report is missing from file. - Due Diligence Vendor-03/26/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 <br>Resolved-GAP Credit Provided, Resolved. - Due Diligence Vendor-04/07/2025<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 3695091 | N/A | N/A |
| XXXX | XXXX |  | 304642330 | Closed | 2025-04-01 13:53 | 2025-04-11 12:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br>Open-The Final 1003 is Incomplete Citizenship discrepancy- Provided "PERMANENT RESIDENT" card on page 1127 for Borrower however Final 1003 Citizenship selected as "Non-Permanent Resident Alien", missing unexpired Visa and Passport - Due Diligence Vendor-04/01/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3740268 | N/A | N/A |
| XXXX | XXXX |  | 304642330 | Closed | 2025-03-31 12:18 | 2025-04-11 07:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Requested Borrower 1 Photo Identification Document Provided which is sufficient to resolve this condition hence resolved. - Due Diligence Vendor-04/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. - Buyer-04/10/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Permanent resident card provided for borrower 1 however photo ID verifying borrower's address is missing in file. Us Patriot act is blank for borrower 1. - Due Diligence Vendor-03/31/2025 |  | Resolved-Requested Borrower 1 Photo Identification Document Provided which is sufficient to resolve this condition hence resolved. - Due Diligence Vendor-04/11/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3728556 | N/A | N/A |
| XXXX | XXXX |  | 304643912 | Closed | 2025-03-31 20:33 | 2025-04-03 12:41 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-received REO and infor for 1 property currently held for XXXX - resolved - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. 4/2/25 - XXXX- Uploaded REO Schedule which is a permanent part of the file, property profile for XXXX which has been owned over XXXX months and operating agreement for XXXX - Seller-04/02/2025 <br> Open-please provide REO schedule with corresponding Property reports. Per GLs 3 or 1 with a minimum XXXX ownership term - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. 4/2/25 - XXXX- Uploaded REO Schedule which is a permanent part of the file, property profile for XXXX which has been owned over XXXX months and operating agreement for XXXX - Seller-04/02/2025 | Resolved-received REO and infor for 1 property currently held for 12+ months - resolved - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3734787 | N/A | N/A |
| XXXX | XXXX |  | 304643912 | Closed | 2025-03-31 09:01 | 2025-04-03 12:36 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-received Loan approval with corrected GL date - Due Diligence Vendor-04/03/2025 <br> Ready for Review-Document Uploaded. 4/2/25 - XXXX- Uploaded Credit Memo with correct date - Seller-04/02/2025 <br> Open-lender approval in file is dated XXXX and tape data shows as XXXX - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. 4/2/25 - XXXX- Uploaded Credit Memo with correct date - Seller-04/02/2025<br>| Resolved-received Loan approval with corrected GL date - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 3727615 | N/A | N/A |
| XXXX | XXXX |  | 304643601 | Closed | 2025-04-02 15:59 | 2025-04-04 12:52 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-received REO schedule with corresponding property reports - resolved - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. 4/3 - XXXX - Uploaded REO schedule and property profiles to support experience listed on REO schedule. - Seller-04/03/2025 <br> Open-REO Schedule not in file - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. 4/3 - XXXX - Uploaded REO schedule and property profiles to support experience listed on REO schedule. - Seller-04/03/2025 | Resolved-received REO schedule with corresponding property reports - resolved - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3752624 | N/A | N/A |
| XXXX | XXXX |  | 304642260 | Closed | 2025-04-10 11:05 | 2025-04-14 20:30 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-04/14/2025 <br> Unable to Resolve-Unable to Resolve-XXXXapproves exception - Buyer-04/14/2025 <br> Open-Cash Out is not completed according to the guideline requirements Exception made for >$XXXX cash out. Cash out is approximately $XXXX<br> - Due Diligence Vendor-04/10/2025 |  | Waived-Exception Approved - Due Diligence Vendor-04/14/2025<br>|  |  | Credit Score is 738. Minimum required per guidelines is 680.<br> DTI is 2.02%. Maximum allowed per guidelines is 50%.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $XXXX.<br> Borrower Housing History is 0X30, XXXX months. Housing History required per guidelines is 0X30, XXXX months | VT | Investment | Refinance | No Cash Out - Borrower Initiated | 3825420 | Investor Post-Close | No |
| XXXX | XXXX |  | 304642260 | Closed | 2025-04-09 14:03 | 2025-04-14 07:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-We have actual period on 1st page bottom left, updated & Condition resolved. - Due Diligence Vendor-04/14/2025 <br> Resolved-Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. HOI Policy period is XXXX. See lower left of page 1 - Buyer-04/12/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX Missing renewed copy of the hazard insurance policy - Due Diligence Vendor-04/09/2025 |  | Resolved-We have actual period on 1st page bottom left, updated & Condition resolved. - Due Diligence Vendor-04/14/2025 <br> Resolved-Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/14/2025 | XXXX |  |  | VT | Investment | Refinance | No Cash Out - Borrower Initiated | 3816182 | N/A | N/A |
| XXXX | XXXX |  | 304668343 | Closed | 2025-04-10 09:41 | 2025-04-16 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-04/15/2025 <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-04/15/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3825082 | N/A | N/A |
| XXXX | XXXX |  | 304668343 | Closed | 2025-04-10 08:34 | 2025-04-16 11:03 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested Gap Credit Report that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-04/15/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-04/15/2025<br>| Resolved-Requested Gap Credit Report that is within the 10 Business days from closing provided hence resolved. - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3824889 | N/A | N/A |
| XXXX | XXXX |  | 304668343 | Closed | 2025-04-10 08:10 | 2025-04-16 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Seller-04/15/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Uploaded for review - Seller-04/15/2025<br>| Resolved-Requested 3rd Party VOE that is within the 10 Business days from closing provided hence resolved.<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3824833 | N/A | N/A |
| XXXX | XXXX |  | 304668343 | Closed | 2025-04-16 12:30 | 2025-04-16 12:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.425%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) Requirements of HPML have been met. - Due Diligence Vendor-04/16/2025 |  | Resolved-The loan's (8.425%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) Requirements of HPML have been met. - Due Diligence Vendor-04/16/2025<br>|  |  |  | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3876497 | N/A | N/A |
| XXXX | XXXX |  | 304692895 | Closed | 2025-04-21 08:42 | 2025-04-25 15:53 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved with additional doc's upload - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Counter-Counter for additional client upload<br> - Due Diligence Vendor-04/24/2025 <br> Ready for Review-signing occured on XXXX is dry state and the funding occured on XXXX. Borrower was did not want to Fund until XXXX. Please see the top of the doc signing CD.<br> - Seller-04/24/2025 <br> Counter-Settlement statement shows closing date of XXXX - however last CD on file- signed was XXXX? Please provide Documentation / CD showing Closing and signature date of XXXX - Due Diligence Vendor-04/23/2025 <br> Ready for Review-Document Uploaded. file was not disbursed until XXXX. Please see closing statement - Seller-04/21/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is one day after disbursement date XXXX. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/24/2025 <br> Ready for Review-signing occured on XXXX is dry state and the funding occured on XXXX. Borrower was did not want to Fund until XXXX. Please see the top of the doc signing CD.<br> - Seller-04/24/2025 <br> Ready for Review-Document Uploaded. file was not disbursed until XXXX. Please see closing statement - Seller-04/21/2025 | Resolved-Resolved with additional doc's upload - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3911644 | N/A | N/A |
| XXXX | XXXX |  | 304692895 | Closed | 2025-04-21 09:01 | 2025-04-22 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/22/2025<br>| fraudGUARD.pdf |  |  | AZ | Primary Residence | Purchase | NA | 3911667 | N/A | N/A |
| XXXX | XXXX |  | 304692868 | Closed | 2025-04-17 09:05 | 2025-04-25 18:49 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Lender provided mortgage statement and housing history. Finding resolved. - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. - Buyer-04/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Discrepancy in Primary months reviewed Current address XXXX has active mortgage for fraud on page#912 and no payment proofs in documents and previous address XXXX has been sold settlement on Pg#608. Provide housing history for XXXX along with mortgages if any. - Due Diligence Vendor-04/17/2025 |  | Resolved-Lender provided mortgage statement and housing history. Finding resolved. - Due Diligence Vendor-04/25/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3887046 | N/A | N/A |
| XXXX | XXXX |  | 304692822 | Closed | 2025-04-23 00:38 | 2025-04-28 15:21 | Acknowledged | 2 - Non-Material C B | Compliance | TRID | TRID: Estimated Taxes, Insurance, & Assessments | Acknowledged-Immaterial Clerical error, acknowledged as EV2 - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Seller confirmed the closing docs are correct-our ratios are fine either way. Please waive this. - Buyer-04/25/2025 <br> Open-The Final CD, IEADS, and First Payment Notification reflect Taxes of $XXXX and Hazard Insurance of $XXXX for a total of $XXXX/month. The Tax Estimate, p 603, reflects Total Estimated Taxes and Non-Ad Assessments of $XXXX = $XXXX/month. The Lender utilized the higher tax figure in the Proposed Monthly Payment of $XXXX on the 1008 and on the Final Loan Approval, p 301, which results in ratios of 38.23%/38.23%. The tax variance causes the discrepancy in the ratios. We utilized the higher tax figure based off the Tax Estimate Dated XXXX, p 603, which aligns with the Final Loan Approval and 1008 as this is the more conservative route. - Due Diligence Vendor-04/23/2025 |  | Acknowledged-Immaterial Clerical error, acknowledged as EV2 - Due Diligence Vendor-04/28/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3932911 | Originator Post-Close | No |
| XXXX | XXXX |  | 304692822 | Closed | 2025-04-18 04:01 | 2025-04-28 14:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated 1003 provided in Findings: UPDATED 1003.PDF. Resolved. - Due Diligence Vendor-04/28/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Document Uploaded. Our DTI is 36...These do not have to match. Updated 1003 attached nevertheless. Please clear, thank you - Buyer-04/25/2025 <br> Open-The Final 1003 is Missing The Final 1003 on p 645 reflects income of $XXXX while the 1008, Final Loan Approval- p 301, and verified income is $XXXX. - Due Diligence Vendor-04/18/2025 |  | Resolved-Updated 1003 provided in Findings: UPDATED 1003.PDF. Resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/28/2025<br>| Updated 1003.pdf |  |  | FL | Primary Residence | Purchase | NA | 3897073 | N/A | N/A |
| XXXX | XXXX |  | 304692822 | Closed | 2025-04-18 03:35 | 2025-04-23 00:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.14%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __257__ and the Final Closing disclosure on Pg#'s _102___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __314___ An interior and exterior appraisal was completed for this property – see pg __10__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__96, 106, 217, 375 & 393, and copy of the appraisal was given to the borrower – see Pg#'s _167____ for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/18/2025 |  | Resolved-The loan's (8.14%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __257__ and the Final Closing disclosure on Pg#'s _102___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __314___ An interior and exterior appraisal was completed for this property – see pg __10__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__96, 106, 217, 375 & 393, and copy of the appraisal was given to the borrower – see Pg#'s _167____ for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-04/18/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3897051 | N/A | N/A |
| XXXX | XXXX |  | 304692843 | Closed | 2025-04-18 12:10 | 2025-05-03 21:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/03/2025 <br>Resolved-Lender provided Title commitment with date present. Finding resolved. - Due Diligence Vendor-05/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-05/02/2025 <br>Open-Title Document is Incomplete Commitment date is missing in title report. - Due Diligence Vendor-04/18/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/03/2025 <br>Resolved-Lender provided Title commitment with date present. Finding resolved. - Due Diligence Vendor-05/03/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3899067 | N/A | N/A |
| XXXX | XXXX |  | 304692780 | Closed | 2025-04-30 16:08 | 2025-05-08 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Lender provided LOX and evidence that primary property is free and clear. Condition resolved. - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-05/07/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Provide LOX and/or12 months most recent payment history for primary residence. - Due Diligence Vendor-04/30/2025 |  | Resolved-Lender provided LOX and evidence that primary property is free and clear. Condition resolved. - Due Diligence Vendor-05/08/2025<br>| MergedDocument.pdf |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 4005522 | N/A | N/A |
| XXXX | XXXX |  | 304695504 | Closed | 2025-05-01 07:07 | 2025-05-07 11:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-05/07/2025 <br>Ready for Review-Document Uploaded. Please see the attached exception - Buyer-05/06/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Property type is 2-4unit in Rural is 75% LTV Qualified LTV is 80%, exception was not provided - Due Diligence Vendor-05/01/2025 |  |  | XXXX |  | Credit Score is 785. Minimum required per guidelines is 740.<br> Borrower(s) have XXXX months Reserves. Minimum required per guidelines is XXXX months.<br> DSCR 1.872 minimum per guidelines 1 | NY | Investment | Purchase | NA | 4011515 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-09 16:46 | 2025-05-12 22:20 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. confidence score is XXXX - Seller-05/09/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary valuation is missing. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. confidence score is XXXX - Seller-05/09/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2025<br>| AVM.pdf |  |  | LA | Primary Residence | Purchase | NA | 4096728 | N/A | N/A |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-09 17:19 | 2025-05-12 22:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Updated Narrative Provided, Resolved - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. attached business narrative shows 75% - Seller-05/09/2025 <br>Open-The Self-Employed Business Narrative reflects 65% ownership of the business while the CPA letter reflects 75% ownership. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. attached business narrative shows 75% - Seller-05/09/2025<br>| Resolved-Updated Narrative Provided, Resolved - Due Diligence Vendor-05/12/2025<br>| business narrative shows 75 %.pdf |  |  | LA | Primary Residence | Purchase | NA | 4097228 | N/A | N/A |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-06 11:55 | 2025-05-12 22:18 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD Provided, Resolved - Due Diligence Vendor-05/12/2025 <br>Ready for Review-Document Uploaded. earnest month deposit attached. - Seller-05/12/2025 <br>Open-EMD proof is missing - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. earnest month deposit attached. - Seller-05/12/2025<br>| Resolved-EMD Provided, Resolved - Due Diligence Vendor-05/12/2025<br>| earnest money.pdf |  |  | LA | Primary Residence | Purchase | NA | 4053772 | N/A | N/A |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-06 11:07 | 2025-05-12 22:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 Provided, Resolved. - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. 1003 attached. - Seller-05/09/2025 <br> Open-The Final 1003 is Incomplete The Final Loan Approval and 1008 reflect an income of $XXXX while the Final 1003 reflects an income of $XXXX. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. 1003 attached. - Seller-05/09/2025<br>| Resolved-Updated 1003 Provided, Resolved. - Due Diligence Vendor-05/12/2025<br>| 1003.pdf |  |  | LA | Primary Residence | Purchase | NA | 4053457 | N/A | N/A |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-06 11:05 | 2025-05-12 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated income calculation sheet provided hence resolved.<br> - Due Diligence Vendor-05/12/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/12/2025 <br> Ready for Review-Document Uploaded. uw rebuttal attached. - Buyer-05/09/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. As per the Bank Statement Income Calculator on p 893, the lender reflects Option #1 Qualifying Income of $XXXX. However, utilizing the same factors, Option #1 should reflect $XXXX. The calculation validating the correct income is as follows: Total Net Deposits of $XXXX x75% business ownership x 50% expense ratio = $XXXX Monthly Qualifying Income. There is a 1003 on p 1188 that reflects the income of $XXXX. Used more conservative income from the Final Loan Approval and 1008 that reflect the Monthly Qualifying Income of $XXXX. Making you aware of the error on the bank statement income calculator. <br>- Due Diligence Vendor-05/06/2025 |  | Resolved-Requested updated income calculation sheet provided hence resolved.<br> - Due Diligence Vendor-05/12/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/12/2025<br>| UW rebuttal .pdf |  |  | LA | Primary Residence | Purchase | NA | 4053449 | N/A | N/A |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-06 10:28 | 2025-05-12 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested additional assets provided which covers the reserves requirement hence resolved.<br> - Due Diligence Vendor-05/12/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/12/2025 <br> Ready for Review-For the asset: UW took the available plus credit balance of $XXXX minus the "available credit" of $XXXX. Borrower owns XXXX of the business so XXXX of the assets are $XXXX. - Buyer-05/09/2025 <br> Ready for Review-Document Uploaded. see attached from 4/28/25 - Buyer-05/09/2025 <br> Open-The Audited Reserves of XXXX month(s) are less than Guideline Required Reserves of XXXX month(s). The Final 1003 reflects a balance of $XXXX however verification of that amount is not in file. Located verification of $XXXX on p 111. - Due Diligence Vendor-05/06/2025 |  | Resolved-Requested additional assets provided which covers the reserves requirement hence resolved.<br> - Due Diligence Vendor-05/12/2025 <br> Resolved-Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of XXXX month(s) - Due Diligence Vendor-05/12/2025 | XXXX |  |  | LA | Primary Residence | Purchase | NA | 4053223 | N/A | N/A |
| XXXX | XXXX |  | 304692747 | Closed | 2025-05-06 11:31 | 2025-05-09 17:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.173%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 898-899 and the Final Closing disclosure on Pg#'s 626-631 reflects escrows. Rate lock date was entered correctly – see Pg#'s 932 An interior and exterior appraisal was completed for this property – see pg 73-97 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 630, 636, 642, 647, 653 and copy of the appraisal was given to the borrower – see Pg#'s 1040 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-05/06/2025 |  | Resolved-The loan's (8.173%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 898-899 and the Final Closing disclosure on Pg#'s 626-631 reflects escrows. Rate lock date was entered correctly – see Pg#'s 932 An interior and exterior appraisal was completed for this property – see pg 73-97 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 630, 636, 642, 647, 653 and copy of the appraisal was given to the borrower – see Pg#'s 1040 for the copy of the disclosure. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-05/06/2025<br>|  |  |  | LA | Primary Residence | Purchase | NA | 4053600 | N/A | N/A |
| XXXX | XXXX |  | 304692867 | Closed | 2025-05-06 12:46 | 2025-05-13 15:38 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided disclosure tracking to confirm initial CD receipt. Finding resolved. - Due Diligence Vendor-05/13/2025 <br> Resolved-Resolved - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. See SE sent XXXX and proof it was viewed and signed XXXX 2:12 PM (see screenshot) - Buyer-05/12/2025 <br> Open-The Initial Closing Disclosure was provided on (XXXX) via (Other). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) There is no 3 days difference between revised closing disclosure XXXX and Final closing disclosure XXXX - Due Diligence Vendor-05/06/2025 |  | Resolved-Lender provided disclosure tracking to confirm initial CD receipt. Finding resolved. - Due Diligence Vendor-05/13/2025 <br>Resolved-Resolved - Due Diligence Vendor-05/13/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4054248 | N/A | N/A |
| XXXX | XXXX |  | 304692848 | Closed | 2025-05-08 23:50 | 2025-05-14 11:38 | Resolved | 1 - Information C A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved- - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. Please note that XXXX has officially changed its name to XXXX. The entity formerly known as XXXX is now operating under the new name.<br>Attached are the relevant documents, including the Operating Agreement for XXXX, which now applies to XXXX following the name change.<br>Kindly review the documentation and clear this finding accordingly. - Buyer-05/13/2025 <br> Open-Certificate of Corp./LLC Formation or Articles of Organization/ Operating agreement is not in file for XXXX - Due Diligence Vendor-05/08/2025 |  |  | XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 4088803 | N/A | N/A |
| XXXX | XXXX |  | 304692863 | Closed | 2025-05-07 08:24 | 2025-05-14 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Required Document provided, Changes Made in System, Finding Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Please see the attached 1008 - Buyer-05/13/2025 <br>Open-The 1008 document is missing from the loan file. 1008 document is missing in File - Due Diligence Vendor-05/07/2025 |  | Resolved-Required Document provided, Changes Made in System, Finding Resolved<br> - Due Diligence Vendor-05/14/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 4065826 | N/A | N/A |

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## Exhibit 99.34

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.34**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304481872 | XXXX C A B |
| XXXX |  | 304481909 | XXXX C D A B |
| XXXX |  | 304481873 | XXXX C A |
| XXXX |  | 304481827 | XXXX D A |
| XXXX |  | 304481896 | XXXX D A |
| XXXX |  | 304493453 | XXXX A |
| XXXX |  | 304481826 | XXXX A |
| XXXX |  | 304498136 | XXXX D A B |
| XXXX |  | 304493436 | XXXX D A |
| XXXX |  | 304498138 | XXXX C A D |
| XXXX |  | 304493328 | XXXX D A B |
| XXXX |  | 304498216 | XXXX D A |
| XXXX |  | 304498238 | XXXX A |
| XXXX |  | 304498111 | XXXX D A |
| XXXX |  | 304481919 | XXXX D A |
| XXXX |  | 304493413 | XXXX A |
| XXXX |  | 304493427 | XXXX D A B |
| XXXX |  | 304493319 | XXXX C A |
| XXXX |  | 304498149 | XXXX D A |
| XXXX |  | 304498087 | XXXX C A |
| XXXX |  | 304481974 | XXXX D A |
| XXXX |  | 304481961 | XXXX A |
| XXXX |  | 304498156 | XXXX A |
| XXXX |  | 304493388 | XXXX A D B |
| XXXX |  | 304498019 | XXXX D A |
| XXXX |  | 304493390 | XXXX A D B |
| XXXX |  | 304498224 | XXXX A |
| XXXX |  | 304493491 | XXXX A |
| XXXX |  | 304481801 | XXXX D A B |
| XXXX |  | 304493438 | XXXX D A |
| XXXX |  | 304493307 | XXXX A |
| XXXX |  | 304493432 | XXXX A |
| XXXX |  | 304481991 | XXXX C A |
| XXXX |  | 304498239 | XXXX C A |
| XXXX |  | 304493376 | XXXX A |
| XXXX |  | 304631855 | XXXX A |
| XXXX |  | 304493309 | XXXX A |
| XXXX |  | 304631929 | XXXX A |
| XXXX |  | 304498096 | XXXX D A B |
| XXXX |  | 304493431 | XXXX A |
| XXXX |  | 304498219 | XXXX C A |
| XXXX |  | 304493412 | XXXX C D A |
| XXXX |  | 304493384 | XXXX A |
| XXXX |  | 304639378 | XXXX A B |
| XXXX |  | 304493324 | XXXX A |
| XXXX |  | 304493345 | XXXX A |
| XXXX |  | 304481941 | XXXX D A B |
| XXXX |  | 304493359 | XXXX C A B |
| XXXX |  | 304639407 | XXXX A D B |
| XXXX |  | 304639211 | XXXX D A B |
| XXXX |  | 304639402 | XXXX A |
| XXXX |  | 304637985 | XXXX D A |
| XXXX |  | 304639185 | XXXX A |
| XXXX |  | 304639338 | XXXX D A B |
| XXXX |  | 304481893 | XXXX D A |
| XXXX |  | 304639241 | XXXX C D A B |
| XXXX |  | 304642320 | XXXX D A |
| XXXX |  | 304639341 | XXXX A C |
| XXXX |  | 304639180 | XXXX D A |
| XXXX |  | 304642211 | XXXX A |
| XXXX |  | 304639308 | XXXX A |
| XXXX |  | 304498034 | XXXX A |
| XXXX |  | 304638147 | XXXX D A |
| XXXX |  | 304639238 | XXXX A |
| XXXX |  | 304639342 | XXXX A |
| XXXX |  | 304639136 | XXXX A |
| XXXX |  | 304498211 | XXXX A B |
| XXXX |  | 304639363 | XXXX D A B |
| XXXX |  | 304639258 | XXXX A |
| XXXX |  | 304642168 | XXXX D A |
| XXXX |  | 304639359 | XXXX A D B |
| XXXX |  | 304639187 | XXXX D A |
| XXXX |  | 304639360 | XXXX A |
| XXXX |  | 304639422 | XXXX A |
| XXXX |  | 304498037 | XXXX A |
| XXXX |  | 304639167 | XXXX D C A B |
| XXXX |  | 304642171 | XXXX A D |
| XXXX |  | 304631938 | XXXX A |
| XXXX |  | 304638055 | XXXX D C A |
| XXXX |  | 304643900 | XXXX D A |
| XXXX |  | 304643575 | XXXX C A |
| XXXX |  | 304643764 | XXXX A D |
| XXXX |  | 304638077 | XXXX A D |
| XXXX |  | 304481952 | XXXX D A |
| XXXX |  | 304668482 | XXXX D A |
| XXXX |  | 304639347 | XXXX D A C B |
| XXXX |  | 304668410 | XXXX C A |
| XXXX |  | 304668420 | XXXX A D |
| XXXX |  | 304668352 | XXXX A C B |
| XXXX |  | 304639355 | XXXX A |
| XXXX |  | 304631872 | XXXX C A B |
| XXXX |  | 304643573 | XXXX A |
| XXXX |  | 304639313 | XXXX A |
| XXXX |  | 304639379 | XXXX B A |
| XXXX |  | 304668492 | XXXX D A |
| XXXX |  | 304668361 | XXXX D A B |
| XXXX |  | 304668381 | XXXX D B A |
| XXXX |  | 304668422 | XXXX D A |
| XXXX |  | 304642330 | XXXX D A |
| XXXX |  | 304643600 | XXXX A |
| XXXX |  | 304643912 | XXXX C A |
| XXXX |  | 304643601 | XXXX C A |
| XXXX |  | 304639397 | XXXX A |
| XXXX |  | 304639339 | XXXX A |
| XXXX |  | 304668389 | XXXX A |
| XXXX |  | 304639336 | XXXX A |
| XXXX |  | 304642260 | XXXX C A B |
| XXXX |  | 304668343 | XXXX D A |
| XXXX |  | 304692895 | XXXX D A |
| XXXX |  | 304692868 | XXXX C A |
| XXXX |  | 304692822 | XXXX A D B |
| XXXX |  | 304643816 | XXXX A |
| XXXX |  | 304692843 | XXXX D A |
| XXXX |  | 304692780 | XXXX C A |
| XXXX |  | 304692793 | XXXX A |
| XXXX |  | 304695504 | XXXX C A B |
| XXXX |  | 304692747 | XXXX D A |
| XXXX |  | 304692867 | XXXX A C |
| XXXX |  | 304692871 | XXXX A |
| XXXX |  | 304692890 | XXXX A |
| XXXX |  | 304692893 | XXXX A |
| XXXX |  | 304692850 | XXXX A |
| XXXX |  | 304692873 | XXXX A |
| XXXX |  | 304692877 | XXXX A |
| XXXX |  | 304692848 | XXXX C A |
| XXXX |  | 304692863 | XXXX D A |
| XXXX |  | 304692830 | XXXX A |

---

## Exhibit 99.35

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmtnqm3-abs15g.htm)

**EXHIBIT 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304481872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.1 | XXXX |
| XXXX |  | 304481873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.08 | 52.08 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.45 | 58.45 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304493453 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304481826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.26 | 53.26 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.8 | XXXX |
| XXXX |  | 304498136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.5 | 52.5 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493328 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304498111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304481919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | ModerateRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304493413 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493427 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304498149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304498087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.87 | 58.87 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| XXXX |  | 304481974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 89.99 | 89.99 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304493388 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.0 | 73.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304493491 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2 | XXXX |
| XXXX |  | 304493438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493307 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.4 | 74.4 | XXXX | 32000 | XXXX | AVM | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | 32000 | XXXX | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304493376 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.44 | 55.44 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304631855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.3 | XXXX |
| XXXX |  | 304493309 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 19000 | XXXX | AVM | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | 19000 | XXXX | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304631929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 63.64 | 63.64 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304498096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304493431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 49.21 | 49.21 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible |  | XXXX |
| XXXX |  | 304493412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.5 | XXXX |
| XXXX |  | 304493384 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 34.72 | 34.72 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304639378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493324 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 39.21 | 39.21 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493345 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 64.93 | 64.93 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304481941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.7 | 74.7 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304493359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 25.94 | 25.94 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 5 | XXXX |
| XXXX |  | 304639407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304639211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.06 | 59.06 | XXXX |  | XXXX |  | XXXX | -55000 | XXXX | Desk Review | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -55000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304639402 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304637985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.4 | XXXX |
| XXXX |  | 304639185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.9 | 74.9 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX | -18000 | XXXX | XXXX | 1004 URAR | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX |  | 304639338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.2 | XXXX |
| XXXX |  | 304481893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4 | XXXX |
| XXXX |  | 304639241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304642320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.26 | 48.26 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304639341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304639180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.2 | XXXX |
| XXXX |  | 304642211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 84.43 | 84.43 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 3.5 | XXXX |
| XXXX |  | 304639308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| XXXX |  | 304498034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304638147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304639238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.7 | XXXX |
| XXXX |  | 304639342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304639136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304498211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304639363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304639258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX |  | 304642168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 5 | XXXX |
| XXXX |  | 304639359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304639187 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| XXXX |  | 304639360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304639422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.77 | 49.77 | XXXX | -21000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -21000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304498037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304639167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304642171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304631938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| XXXX |  | 304638055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 34.75 | 34.75 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304643900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304643575 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| XXXX |  | 304643764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | -33000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -33000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304638077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 17000 | XXXX | AVM | XXXX |  | XXXX |  | XXXX | 23000 | XXXX | XXXX | 1004 URAR | XXXX | 17000 | XXXX | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.5 | XXXX |
| XXXX |  | 304481952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.57 | 58.57 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304668482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | -48781 | XXXX | AVM | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | -48781 | XXXX | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304639347 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 4780 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 4780 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304668410 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.71 | 45.71 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304668420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX |  | 304668352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.9 | XXXX |
| XXXX |  | 304639355 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.58 | 69.58 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.6 | XXXX |
| XXXX |  | 304631872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | -1000 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX | -1000 | XXXX | XXXX | 1004 URAR | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304643573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| XXXX |  | 304639313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.1 | XXXX |
| XXXX |  | 304639379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.33 | 63.33 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304668492 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304668361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -34000 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.5 | XXXX |
| XXXX |  | 304668381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.1 | XXXX |
| XXXX |  | 304668422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 9361 | XXXX | AVM | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | 9361 | XXXX | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 3.7 | XXXX |
| XXXX |  | 304642330 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304643600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 68.85 | 68.85 | XXXX |  | XXXX |  | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304643912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 72.0 | 72.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304643601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304639397 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304639339 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304668389 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 57.38 | 57.38 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304639336 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.85 | 59.85 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.7 | XXXX |
| XXXX |  | 304642260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.2 | XXXX |
| XXXX |  | 304668343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 83.41 | 83.41 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.6 | XXXX |
| XXXX |  | 304692895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX |  | XXXX |  | XXXX |  | XXXX |  | XXXX | 60000 | XXXX | XXXX | 1004 URAR | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304692822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304643816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.78 | 64.78 | XXXX |  | XXXX |  | XXXX | -11198 | XXXX | AVM | XXXX |  | XXXX | XXXX |  | XXXX | -11198 | XXXX | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 13059 | XXXX | AVM | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | 13059 | XXXX | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.11 | 51.11 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304695504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304692747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | -18565 | XXXX | AVM | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | -18565 | XXXX | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.8 | XXXX |
| XXXX |  | 304692867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 58.82 | 58.82 | XXXX | -30000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | -30000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 66.67 | 66.67 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304692890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304692893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 31.67 | 31.67 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| XXXX |  | 304692850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.66 | 73.66 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304692873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.79 | 67.79 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304692877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 39.19 | 39.19 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| XXXX |  | 304692848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| XXXX |  | 304692863 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304692830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |

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