# EDGAR Filing Document

**Accession Number:** 0001697970
**File Stem:** 0001999371-25-014945
**Filing Date:** 2025-10
**Character Count:** 1922242
**Document Hash:** 9c2a89bb826c5eaddeffed5de013f9e5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-014945.hdr.sgml**: 20251008

**ACCESSION NUMBER**: 0001999371-25-014945

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

**PUBLIC DOCUMENT COUNT**: 43

**CONFORMED PERIOD OF REPORT**: 20251008

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

**FILED AS OF DATE**: 20251008

**DATE AS OF CHANGE**: 20251008

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-03251
- **FILM NUMBER:** 251382087

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970

**ORGANIZATION NAME:**
- **EIN:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

------

**FORM ABS-15G**

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**ASSET-BACKED SECURITIZER REPORT**

Pursuant to Section 15G of

the Securities Exchange Act of 1934

**Angel Oak Mortgage Trust I, LLC**

------

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to ________

Date of Report (Date of earliest event reported):<u> </u>

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(Exact name of securitizer as specified in its charter)

------

(Commission File Number of securitizer) (Central Index Key Number of securitizer)

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

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

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

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

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

**Angel Oak Mortgage Trust 2025-11**

------

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

Central Index Key Number of depositor: **0001697970**

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

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

**Chase Eldredge, Secretary, (404) 751-2991**

Name and telephone number, including area code of the person

to contact in connection with this filing

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

---

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

---

Not applicable.

---

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

---

Not Applicable.

---

| | |
|:---|:---|
| **Item 1.03** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

---

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.

---

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

---

Not Applicable.

**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.

---

| | |
|:---|:---|
| **Angel Oak Mortgage Trust I, LLC** | **Angel Oak Mortgage Trust I, LLC** |
| (Depositor) | (Depositor) |
| By: | /s/ Sreeniwas Prabhu |
| Name: | Sreeniwas Prabhu |
| Title: | Manager |

---

Date: October 8, 2025

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.1](ex99-1.htm) | &nbsp;&nbsp;Canopy Financial Technology Partners LLC ("Canopy") Narrative |
| &nbsp;&nbsp;[99.2](ex99-2.htm) | &nbsp;&nbsp;Canopy Rating Agency Grades Detail Report |
| &nbsp;&nbsp;[99.3](ex99-3.htm) | &nbsp;&nbsp;Canopy Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.4](ex99-4.htm) | &nbsp;&nbsp;Canopy Valuation Report |
| &nbsp;&nbsp;[99.5](ex99-5.htm) | &nbsp;&nbsp;Canopy Data Compare Report |
| &nbsp;&nbsp;[99.6](ex99-6.htm) | &nbsp;&nbsp;Clarifii LLC ("Clarifii") Narrative |
| &nbsp;&nbsp;[99.7](ex99-7.htm) | &nbsp;&nbsp;Clarifii Rating Agency Grades Detail Report |
| &nbsp;&nbsp;[99.8](ex99-8.htm) | &nbsp;&nbsp;Clarifii Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.9](ex99-9.htm) | &nbsp;&nbsp;Clarifii Data Compare Report |
| &nbsp;&nbsp;[99.10](ex99-10.htm) | &nbsp;&nbsp;Clarifii Valuation Report |
| &nbsp;&nbsp;[99.11](ex99-11.htm) | &nbsp;&nbsp;Consolidated Analytics, Inc. ("Consolidated") Executive Summary |
| &nbsp;&nbsp;[99.12](ex99-12.htm) | &nbsp;&nbsp;Consolidated Due Diligence Report |
| &nbsp;&nbsp;[99.13](ex99-13.htm) | &nbsp;&nbsp;Consolidated Rating Agency Grades |
| &nbsp;&nbsp;[99.14](ex99-14.htm) | &nbsp;&nbsp;Consolidated Valuation Summary Report |
| &nbsp;&nbsp;[99.15](ex99-15.htm) | &nbsp;&nbsp;Consolidated Data Compare Report |
| &nbsp;&nbsp;[99.16](ex99-16.htm) | &nbsp;&nbsp;Incenter Diligence Solutions ("Incenter") Executive Summary |
| &nbsp;&nbsp;[99.17](ex99-17.htm) | &nbsp;&nbsp;Incenter Exception Report |
| &nbsp;&nbsp;[99.18](ex99-18.htm) | &nbsp;&nbsp;Incenter Rating Agency Grades Report |
| &nbsp;&nbsp;[99.19](ex99-19.htm) | &nbsp;&nbsp;Incenter Valuation Summary Report |
| &nbsp;&nbsp;[99.20](ex99-20.htm) | &nbsp;&nbsp;Incenter Tape Compare Report |
| &nbsp;&nbsp;[99.21](ex99-21.htm) | &nbsp;&nbsp;Infinity IPS, Inc. ("Infinity") Executive Summary |
| &nbsp;&nbsp;[99.22](ex99-22.htm) | &nbsp;&nbsp;Infinity Rating Agency Grade (Scienna) |
| &nbsp;&nbsp;[99.23](ex99-23.htm) | &nbsp;&nbsp;Infinity Valuation Report (Scienna) |
| &nbsp;&nbsp;[99.24](ex99-24.htm) | &nbsp;&nbsp;Infinity Loan Level Exception Report (Scienna) |
| &nbsp;&nbsp;[99.25](ex99-25.htm) | &nbsp;&nbsp;Infinity Individual Exception Report (Scienna) |
| &nbsp;&nbsp;[99.26](ex99-26.htm) | &nbsp;&nbsp;Infinity Data Compare Report (Scienna) |
| &nbsp;&nbsp;[99.27](ex99-27.htm) | &nbsp;&nbsp;Infinity Rating Agency Grades Detail Report (LauraMac) |
| &nbsp;&nbsp;[99.28](ex99-28.htm) | &nbsp;&nbsp;Infinity Valuation Report (LauraMac) |
| &nbsp;&nbsp;[99.29](ex99-29.htm) | &nbsp;&nbsp;Infinity Rating Agency Grades Summary Report (LauraMac) |
| &nbsp;&nbsp;[99.30](ex99-30.htm) | &nbsp;&nbsp;Infinity Data Compare Report (LauraMac) |
| &nbsp;&nbsp;[99.31](ex99-31.htm) | &nbsp;&nbsp;Inglet Blair, LLC ("IB") Executive Summary |
| &nbsp;&nbsp;[99.32](ex99-32.htm) | &nbsp;&nbsp;IB Exception Report |
| &nbsp;&nbsp;[99.33](ex99-33.htm) | &nbsp;&nbsp;IB Final Grading Summary |
| &nbsp;&nbsp;[99.34](ex99-34.htm) | &nbsp;&nbsp;IB Data Comparison |
| &nbsp;&nbsp;[99.35](ex99-35.htm) | &nbsp;&nbsp;IB Valuation Report |
| &nbsp;&nbsp;[99.36](ex99-36.htm) | &nbsp;&nbsp;IB Loan Summary |

---

## Exhibit 99.1

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.1**

![](ex991001.jpg)

**NARRATIVE**

**AOMT 2025-11**

**By Canopy Financial Technology Partners LLC on October 6, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

**Description of Services**

Canopy Financial Technology Partners LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Angel Oak Mortgage Fund EU B LLC (the "Client"). The Review was conducted during May 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loan with an aggregate principal balance of $205,000.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSRO's), S&P Global Ratings and Kroll Bond Rating Agency, LLC.

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** |  |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag (when applicable) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;DSCR (when applicable) | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 120+ | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio (when applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

**Loan Attributes.** To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

**Credit Application:** For the Credit Application (1003), Canopy verified whether:

● All known borrower-owned properties are disclosed on the REO Section;

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

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![](ex991001.jpg)

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

● Capture the monthly consumer debt payments for use in the applicable DTI calculation;

● Installment and revolving payment history;

● Mortgage/rental payment history;

● Note and research the Real Estate Owned, OFAC, and Fraud alerts;

● Number of tradelines; and

● Representative Credit Score and Methodology.

**Employment and Income:** Canopy determined whether all applicable supporting documentation as required by Seller's Guidelines and Ability to Repay ("**ATR**") when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller's Guidelines. Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller's Guidelines and ATR when applicable per above and may include:

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

● IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

● Employment

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

● Subject property ownership history

● OFAC

**Asset Review:** Canopy assessed whether the asset documentation required by the Seller's Guidelines and ATR, when applicable, was present in the Loan File. Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller's Guidelines, including a review of any large deposits. Canopy re-calculated gross, net, and liquid asset balances. The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves. Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

● Depository account statements;

● Gift funds;

● Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;

● Stock or security account statements; and/or

● VOD's.

**Hazard/Flood insurance/Taxes:** A review of the insurance present on the loan was performed by Canopy as follows:

● 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 what was used in the DTI calculations;

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

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

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

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

**Automated Underwriting System Findings:** N/A

**Document Review**

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

● Initial application (1003);

● Final application (1003);

● 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 herein;

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

● Post-Consummation Closing Disclosure (PC-CD) [if applicable].

**Business Purpose Validation (when applicable)**

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act ("TILA") [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

**"Missing Document" to Cleared Exception:** In the event that there was no express statement in the Loan File, and there was no express evidence in the Loan File that the loan proceeds were used for "Business Purpose" Canopy assigned the file a "D" grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the "primary purpose" of the loan as "business purpose" the "D" grade – "Missing Document", was cleared by Canopy.

**"Missing Document" to "B" Grade:** In the event that there was no express statement in the Loan File, and there was no express evidence provided that the loan proceeds were used for "Business Purpose", Canopy gave the file a "D" grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the "D" grade – "Missing Document" initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, 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. Canopy's review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

(i) **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
 HOEPA and any state and local high-cost home loan laws. Assignee shall have the meaning
 as defined in TILA;

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601
 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603,
 as implemented by Regulation X, 12 C.F.R. Part 1024;

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

**I.** **Compliance Documentation Requirements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 of the following documents as they related to regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Initial
 and final application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&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. Note,
 including all addendums

&nbsp;&nbsp;&nbsp;&nbsp;&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. Copy
 of note for any junior liens (if applicable)

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Mortgage
 / Deed of Trust, including all riders

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial,
 Interim, and Final Loan Estimates ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice
 of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate
 Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial
 Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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.

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements of the Structured Finance Association (SFA) TRID
 Compliance Review Scope ("TRID Grid 4.0");

&nbsp;&nbsp;&nbsp;&nbsp;&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. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

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**Qualified Mortgage and Ability to Repay**. A review 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. QM and ATR testing is detailed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **Equal Credit Opportunity Act (ECOA)/Regulation B**: Confirm 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 may be met by the disclosure
 on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. **Fair Credit Reporting Act (FRCA)/Regulation V**: Confirm compliance with the current FCRA/Regulation
 V requirements regarding risk-based pricing notice, credit score disclosure and Notice
 to Home Loan Applicant, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. TPR
 will test for state prepayment and late charge restrictions. If a prepayment penalty
 that exceeds the state permitted penalty has expired, this must be reported.

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

● 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 183(C).

● 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).

● 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; 24-1.1(E)(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.

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● 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.

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky 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) 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.

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, Canopy reviews 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 reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is 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)***

Canopy reviews the loan 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 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.

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

Canopy reviews 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 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"). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy's review is based on information contained in the Loan File at the time it is provided to Canopy to review, and only reflects information as of that point in time.

**Valuation Review**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy 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.

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● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

● If a Desk Review, or other acceptable review product, was provided supporting the origination appraised value within a -10% variance and acceptable confidence score, no additional products were required.

● In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:**

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

&nbsp;&nbsp;&nbsp;&nbsp;**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |

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| | |
|:---|:---|
| &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. |

---

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| | |
|:---|:---|
| &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. |

---

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| | |
|:---|:---|
| &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. |

---

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| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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 GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;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. |

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**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.

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (1 loan) has an overall grade of "A", and zero loans (0) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, or one (1) mortgage loan reviewed, and zero loans (0) have an overall grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, or one (1) mortgage loan reviewed, and zero loans (0) have an overall grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, or one (1) mortgage loan reviewed, and zero loans (0) have an overall grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Grand Total** | &nbsp;&nbsp;1 | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$205000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$205000.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$205000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$205000.00** |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$205000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$205000.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$205000.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$205000.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$205000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$205000.00** |

---

**DATA COMPARISON RESULTS**

Of the one (1) mortgage loan files reviewed, zero (0) unique loans (0.00% by number) had tape comparison discrepancies across all data fields.

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex991001.jpg)

**Disclaimer**

*Canopy Financial Technology Partners, 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).* 

*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. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.2

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan 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** |
| 2025110670 |  | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset XXX Less Than XXX Months Verified | Resolved-Resolved on XXX – The latest guideline has been received, indicating a requirement for a XXX-day bank statement. - Due Diligence Vendor-XXX <br> Open-See sub-tenant comment below I received via email.<br> - Due Diligence Vendor-XXX<br> Open-Asset XXX Less Than XXX Months Verified Validated . Asset statements provided must cover at least XXX days is required as per G/L - Due Diligence Vendor-XXX | From XXX<br>Our guidelines call for statements covering XXX days, not XXX. Could you please revisit? <br>- XXX<br>| Resolved-Resolved on XXX – The latest guideline has been received, indicating a requirement for a XXX-day bank statement. - Due Diligence Vendor-XXX | Qualifying FICO is Greater Than The Guideline Minimum By XXX (XXX) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By XXX (XXX) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By XXX (XXX) Or More Months - Months Reserves Of XXX Are Greater Than The Guideline Minimum Of XXX By XXX (XXX) Or More Months<br> Borrower At Current Residence For XXX (XXX) Or More Years - Borrower At Current Residence For XXX (XXX) Or More Years - XXX Years<br> Original LTV Is Below The Guideline Maximum By XXX Percent (XXX%) Or More - Original LTV Of XXX% Is Below The Guideline Maximum Of XXX% By XXX Percent (XXX%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | $XXX | XXX | XXX | XXX | No Cash Out - Borrower Initiated | N/A | N/A | XXX |

---

## Exhibit 99.3

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025110670 |  | XXX | XXX C A |

---

## Exhibit 99.4

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2025110670 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |

---

## Exhibit 99.5

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.6

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-11**

**By Clarifii LLC on October 6, 2025**

AOMT 2025-11 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: Christine.Aug@Clarifii.com | &nbsp;&nbsp; E-mail: Jason.Luttenberger@Clarifii.com |

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 80 Loans (the "Loans") originated by a correspondent lender and acquired by Angel Oak Mortgage Fund EU B LLC (the "Client") for the AOMT 2025-11 transaction. The Loans referenced in this narrative report were reviewed between 12/2024 to 09/2025 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;16 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$7654645.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;23 | &nbsp;&nbsp;28.75% | &nbsp;&nbsp;$16321620.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;41 | &nbsp;&nbsp;51.25% | &nbsp;&nbsp;$21098274.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45074539.00** |

---

The Review consisted of a population of 80 Loans, with an aggregate principal balance of $45,074,539.00.

**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.

**LOAN SAMPLING**

The Clients 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 transaction Loan population.

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025  |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the Clients 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;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |

---

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &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 State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |
| &nbsp;&nbsp;Vested Business Entity Type |

---

**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 Clients, including, as applicable, Ability to Repay and Qualified Mortgage requirements. The Credit Qualification review consisted of the following:

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

– 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

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

– 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

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 6

![](ex996001.jpg)

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**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

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 7

![](ex996001.jpg)

Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 8

![](ex996001.jpg)

Right to Cancel by all required parties, verified the disbursement date and determined if a full three (3) day rescission period was provided to the borrower(s). The appropriate Model Form was tested according to applicable U.S. Court of Appeals, Circuit Court rulings.

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

– 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

&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

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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;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)**

Clarifii reviewed the Loan 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-

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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.

*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.*

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 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.

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● 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 or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

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

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

● For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA 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 table below summarizes 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;0 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 |
| &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;3 |

---

**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, clients, 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.

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**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. |

---

**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**

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---

| | |
|:---|:---|
| **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. |

---

**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;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;78.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;21.25% |
| &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;**80** | &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;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;20.00% |
| &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;**80** | &nbsp;&nbsp;**100.00%** |

---

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| &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;**80** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.25% |
| &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;**80** | &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;Fixed | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$45074539.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45074539.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;23 | &nbsp;&nbsp;28.75% | &nbsp;&nbsp;$17454414.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;$5555500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;53 | &nbsp;&nbsp;66.25% | &nbsp;&nbsp;$22064625.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45074539.00** |

---

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**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;45 | &nbsp;&nbsp;56.25% | &nbsp;&nbsp;$24716579.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;35 | &nbsp;&nbsp;43.75% | &nbsp;&nbsp;$20357960.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45074539.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$45074539.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45074539.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$45074539.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**80** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$45074539.00** |

---

**DATA COMPARE RESULTS**

Clarifii provided Clients 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;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;21 | &nbsp;&nbsp;34 | &nbsp;&nbsp;38.24% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;74 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |

---

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 18

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;98.73% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;76 | &nbsp;&nbsp;98.68% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;78 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;67 | &nbsp;&nbsp;97.01% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;4 | &nbsp;&nbsp;80 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;80 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;80 | &nbsp;&nbsp;83.75% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;97.47% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;58 | &nbsp;&nbsp;91.38% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;60 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Qualifying Property Value Flag - Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;14 | &nbsp;&nbsp;31 | &nbsp;&nbsp;54.84% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;38 | &nbsp;&nbsp;97.37% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;73 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.72% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 19

![](ex996001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

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

**Disclaimer**

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

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

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

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

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

AOMT 2025-11 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.7

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan 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** |
| 2025110578 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-XXX verification provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing XXX or confirmation non for XXX property XXX, online sources show this property is a XXX. - Due Diligence Vendor-XXX |  | Resolved-XXX verification provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX>XXX on subject XXX for other XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX>XXX |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110577 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110642 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX is Unable to Determine | Resolved-Client provided the attestation. Project is now XXX - Due Diligence Vendor-XXX<br> Open-The XXX is Unable to Determine. . Missing XXX clearly stating project review and type of warranty completed. - Due Diligence Vendor-XXX |  | Resolved-Client provided the attestation. XXX is now XXX - Due Diligence Vendor-XXX | Long term residence - XXX years at primary residence<br> Months Reserves exceed minimum required - XXX>XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110642 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX Not Allowed for Program | Resolved-Transaction meets XXX requirements. - Due Diligence Vendor-XXX<br> Resolved-Documentation to support XXX provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal Uploaded - Seller-XXX<br> Ready for Review-Document Uploaded. XXX documents from XXX showing our borrower has the authority to sign for XXX as she deceased. clear title was provided showing all delinquent taxes, XXX were paid current<br> - Buyer-XXX<br> Open-XXX Not Allowed for Program XXX is in probate with buyer as the XXX representative-XXX of deceased property owner. Prelim reflects delinquent XXX dues, delinquent re taxes and final XXX reflect payoff exceeding original balance. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Rebuttal Uploaded - Seller-XXX | Resolved-Transaction meets XXX requirements. - Due Diligence Vendor-XXX<br> Resolved-Documentation to support XXX length provided. - Due Diligence Vendor-XXX | Long term residence - XXX years at primary residence<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110642 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-XXX<br> Resolved-Received Death Cert and Sellers authorization. - Due Diligence Vendor-XXX<br> Open-Property Issues are identified for the property Appraiser notes XXX-borrower signed on behalf of seller-clarification from appraiser not provided. Subject has been active on the market for XXX months - Due Diligence Vendor-XXX |  | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-XXX<br> Resolved-Received XXX Cert and Sellers authorization. - Due Diligence Vendor-XXX | Long term residence - XXX years at primary residence<br> Months Reserves exceed minimum required - XXX>XXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110642 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Partial | Resolved-Received revised XXX page reflecting vesting entity as insured. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated XXX - Seller-XXX<br> Counter-Guidelines state - Names of the borrowers to reflect same name as on the XXX. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal Uploaded - Buyer-XXX<br> Counter-Borrower signed the Note as XXX for XXX. The XXX is required to be added to the XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX is in Borrowers name, XXX has to be listed as XXX not LLC<br> - Seller-XXX<br> Open-XXX (Or XXX if Subject Property is a XXX) is only Partially Provided Missing vested entity named as insured. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Updated XXX - Seller-XXX<br> Ready for Review-Document Uploaded. XXX is in Borrowers name, XXX has to be listed as XXX not LLC<br> - Seller-XXX | Resolved-Received revised XXX page reflecting vesting entity as insured. - Due Diligence Vendor-XXX | Long term residence - XXX years at primary residence<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110642 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement reflect XXX in past XXX months on mortgage XXX and statements for XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. credit supplement showing XXX no lates in last XXX months, account closed - Seller-XXX<br> Counter-Modification agreement provided and meets guideline seasoning requirements. Partial XXX month Statements provided for XXX. Please provide XXX month payment history for XXX and XXX as the credit report does not disclose the late payment dates. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Rebuttal Uploaded - Seller-XXX<br> Counter-Credit report provided does not reflect date of the late payments. Please provided the Modification documents for review and documentation reflecting the late payment dates. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Mtg statement showing XXX to XXX and XXX is on credit report XXX times XXX for last XXX months / Mtg statements showing XXX payment to XXX<br>- Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Mortgage history incomplete-XXX reflecting for acct XXX with no dates verified. Loan also modified no dates provided. XXX months seasoning required. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. credit supplement showing XXX no lates in last XXX months, account closed - Seller-XXX<br> Ready for Review-Document Uploaded. Rebuttal Uploaded - Seller-XXX | Resolved-Received Credit Supplement reflect XXX in past XXX months on mortgage XXX and statements for XXX - Due Diligence Vendor-XXX | Long term residence - XXX years at primary residence<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110642 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business in XXX document and XXX<br> - Seller-XXX<br> Open-The Business Entity Formation Document is incomplete Missing Operating Agreement and Evidence of XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Business in XXX document and XXX<br> - Seller-XXX | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-XXX | Long term residence - XXX years at primary residence<br> Months Reserves exceed minimum required - XXX>XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110643 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client exception granted for transferred appraisal > XXX days, waiver applied with reviewed compactors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception request and approval - Buyer-XXX<br> Open-Lender Exception Approval, (missing actual exception request) in file for transferred appraisal over XXX days old at time of application. - Due Diligence Vendor-XXX |  | Waived-Client exception granted for transferred appraisal > XXX days, waiver applied with reviewed compactors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. | Qualifying FICO: XXX<br> Qualifying DSCR: XXX<br> Qualifying reserves: XXX | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110643 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver for transferred Appraisal and Investor concentration, applied to non material finding with comp factors - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. approval for exception request for appraisal over XXX<br> - Buyer-XXX<br> Counter-Exception approval for transferred appraisal > XXX days provided, please provide exception approval for Investor Concentration - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Exception request and approval - Buyer-XXX<br> Open-Lender exception in file for investor concentration in project up to XXX%. Per updated XXX, investor owned XXX. Total Units is XXX, which is XXX%. - Due Diligence Vendor-XXX |  | Waived-Client provided a waiver for transferred Appraisal and Investor concentration, applied to non material finding with comp factors - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. | Qualifying FICO: XXX<br> Qualifying DSCR: XXX<br> Qualifying LTV XXX<br> Qualifying reserves: XXX | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110576 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XXX% is less than or equal to Guideline LTV of XXX% - Due Diligence Vendor-XXX<br> Open-Audited LTV of XXX% exceeds Guideline LTV of XXX% Maximum LTV for Rate and Term, XXX, XXX, for loan amount > XXX < XXX = XXX% LTV - Due Diligence Vendor-XXX |  | Resolved-Audited LTV of XXX% is less than or equal to Guideline LTV of XXX% - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Lender minimum reserves XXX PITIA, borrower reserves XXX PITIA<br> Qualifying DTI below maximum allowed - Lender max DTI is XXX%, borrower DTI is XXX% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110576 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material D B | Credit | Missing Doc | Appraisal is Expired | Waived-Received post closing recert of value. Finding will remain a B - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Counter-Guidelines require XXX full appraisals. Please provide a total of XXX unexpired full appraisals dated prior to close or a recert of value dated prior to closing. - Due Diligence Vendor-XXX<br> Ready for Review-The expired appraisal was the higher value of the XXX appraisals and therefore was not relied upon in XXX underwriting. A 1004 update should not be required. - Seller-XXX<br> Open-Primary Value Appraisal is Expired XXX Appraisal dated XXX is dated XXX days from Note. Provide recertification of value. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX <br> Ready for Review-The expired appraisal was the higher value of the XXX appraisals and therefore was not relied upon in our underwriting. A 1004 update should not be required. - Seller-XXX | Waived-Received post closing recert of value. Finding will remain a B - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Lender minimum reserves XXX PITIA, borrower reserves XXX PITIA<br> Qualifying DTI below maximum allowed - Lender max DTI is XXX%, borrower DTI is XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110581 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. DSCR uploaded - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing Lenders DSCR Calculations. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrower credit score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110578 |  | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Upon further review market rent used and capped at XXX% of actual rents. No additional documentation required. - Due Diligence Vendor-XXX<br> Ready for Review-we can cap the rent at XXX% - the XXX will no longer be below the minimum - Seller-XXX<br> Open-The Calculated DSCR of 'XXX is less than the minimum DSCR per lender guidelines of 'XXX'. Per Guides minimum DSCR is .XXX. Lender qualified using actual rents received on 1007. - Due Diligence Vendor-XXX | Ready for Review-we can XXX the rent at XXX% - the DSCR will no longer be below the minimum - Seller-XXX | Resolved-Upon further review market rent used and capped at XXX% of actual rents. No additional documentation required. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Guidelines allow LTV to XXX%. Subject loan LTV is XXX%.<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110578 |  | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Upon further review the pay history confirms the term is a XXX year fixed and not a XXX. No additional documentation required. - Due Diligence Vendor-XXX<br> Open-Mortgage being paid off is not reporting on credit per guides Copy of Note with terms of the loan required: Notes with a XXX with an expired maturity date exceeding XXX days require an extension to avoid being counted as delinquent. - Due Diligence Vendor-XXX |  | Resolved-Upon further review the pay history confirms the term is a XXX year fixed and not a XXX. No additional documentation required. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Guidelines allow LTV to XXX%. Subject loan LTV is XXX%.<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110578 |  | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided with all alert cleared. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Fraud Report Shows Uncleared Alerts Missing documentation to clear XXX alert. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Fraud report provided with all alert cleared. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Guidelines allow LTV to XXX%. Subject loan LTV is XXX%.<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110578 |  | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payoff confirming both the XXX and XXX payments were made, with no late fees listed. - Due Diligence Vendor-XXX<br> Open-Housing History Does Not Meet Guideline Requirements XXX month housing history is required for subject property. Pay history provided shows last payment made XXX. Loan closed XXX. Missing XXX and XXX verification of payment being made - Due Diligence Vendor-XXX |  | Resolved-Received payoff confirming both the XXX and XXX payments were made, with no late fees listed. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Guidelines allow LTV to XXX%. Subject loan LTV is XXX%.<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110580 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Updated XXX credit report provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Note Date XXX - Credit Refresh order XXX - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Old XXX credit. No new credit ran and fraud report does not have XXX - Due Diligence Vendor-XXX |  | Resolved-Updated XXX credit report provided. - Due Diligence Vendor-XXX | Verified employment history exceeds guidelines - XXX years verified S/E<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110645 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Partial | Resolved-XXX has XXX% coverage for the next XXX yrs which is acceptable . - Due Diligence Vendor-XXX<br> Open-XXX (Or XXX if Subject Property is a XXX) is only Partially Provided XXX provided has roof replacement that is based on roof replacement schedule (page XXX) as the age of the roof gets older the insurance carrier will pay out less to replace the roof in the event of a claim. Per lender guides XXX that limit or exclude from coverage, in whole or in part are not acceptable. - Due Diligence Vendor-XXX |  | Resolved-XXX has XXX% coverage for the next XXX yrs which is acceptable . - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110645 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal and CDA - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal and CDA - Buyer-XXX<br> Open-Appraisal is Missing Missing 1004 and 1007 completed on XXX. Additional conditions may apply. - Due Diligence Vendor-XXX |  | Resolved-Received appraisal and XXX - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110645 | XXX | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial LTV XXX% below guideline, XXX reserve requirement, XXX. - Due Diligence Vendor-XXX<br> Open-The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. Lender exception provided to allow DSCR to .XXX borrower is experienced investor. - Due Diligence Vendor-XXX |  | Waived-Client exception granted and in file, waiver applied with comp factors. Deemed immaterial LTV XXX% below guideline, XXX reserve requirement, experienced investor. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. | LTV: XXX%<br> Reserves XXX months <br> Borrower is currently renting and is paid as agreed since XXX, borrower also owns another rental property free & clear since XXX. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Clear same for the seller provided. - Due Diligence Vendor-XXX<br> Counter-Received Fraud Report-missing XXX clearance on seller. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Third Party Fraud Report Missing fraud reports for all XXX borrowers. Additional findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Clear same for the seller provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the subject P&I is excluded from the monthly debt for the income calc. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Asset Qualification Does Not Meet Guideline Requirements Assets provided are insufficient to meet guideline requirements for asset utilization. Although XXX% of the loan amount requirement met, assets are insufficient (see failure status on worksheet) to cover XXX months of all XXX and consumer debt payments including revolving accounts, installment and lease accounts, alimony/child support, and mortgage related expenses on all properties owned including the subject property taxes, insurance, XXX dues, etc. (do not include the subject property P&I). - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-After further review, the subject P&I is excluded from the monthly debt for the income calc. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Updated bank statements provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Guidelines require most recent XXX days of account statements no more than XXX days old at time of closing. <br> 1. XXX - Missing most recent XXX days of account statements no more than XXX days old at time of closing. File includes undated XXX of value, XXX value letter and XXX annual report.<br> 2. XXX – Missing most recent XXX days of account statements no more than XXX days old at time of closing. File includes XXX annual report.<br> 3. XXX - Missing most recent XXX days of account statements. File includes XXX statement only.<br> 4. XXX - Missing most recent XXX days of account statements. File includes XXX statement only.<br> 5. XXX account ending XXX, XXX, XXX, XXX and XXX - Missing most recent XXX days of account statements. File includes XXX statement only. <br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Updated bank statements provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Resolved-Confirmation received the assets came from XXX. Updated balance for XXX provided. - Due Diligence Vendor-XXX<br> Counter-Documentation received does not confirm the pledged asset. Please confirm. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-1. Missing confirmation of what account from which XXX line of credit was drawn from for deposit into XXX (XXX). <br> 2. Provide supporting documentation because it appears as if a line of credit against XXX ending #XXX but missing the most recent statement to confirm. If line of credit against one of the assets used for qualifying, the balance requires adjusting for amount of line. Additional findings may apply. <br> \*Audit did not include the XXX balance since comprised of what appears to be borrowed funds. However, Audit included full balance for #XXX pending receipt of missing documentation. Adjustments to the accounts for assets to close will also be required. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Confirmation received the assets came from XXX. Updated balance for XXX provided. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Per guidelines, missing a letter from the XXX explaining their housing circumstances (Rent-Free Letter). Additionally, a letter from the person or entity providing the rent-free housing must be included in the file. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received rent free letter. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit 'A' Legal Description. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received DOT w/Legal - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110585 |  | XXX D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Received PCCD XXX with correct recording fee value. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX loan please find PCCD attached - Seller-XXX<br> Open-This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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). -----XXX (XXX%) tolerance fees (recording fee) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX loan please find XXX attached - Seller-XXX | Resolved-Received PCCD XXX with correct recording fee value. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum.<br> LTV is less than guideline maximum - XXX% LTV is less than XXX% maximum. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110644 | XXX | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | XXX Foreclosure Rescission Finance Charge Test | Resolved-Received PCCD XXX and XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Counter-Client requested clarification of finding. Audit response: The XXX disclosed on page XXX of the final CD is $XXX and is under disclosed by $XXX based on the fees that are included in the finance charge calculation. Comp report was provided in loan XXX. - Due Diligence Vendor-XXX<br> Counter-----Received CD XXX, CD XXX and XXX. XXX provided: finance charge disclosed value XXX. Final CD in file disclosed finance charge: XXX. Provide evidence of refund or principal reduction for XXX or, at a minimum, to the $XXX threshold, post-close CD, XXX and evidence of delivery to the borrower within XXX days of discovery. - Due Diligence Vendor-XXX<br> Ready for Review-supporting docs - Buyer-XXX<br> Counter------Received XXX dated XXX, finance charge disclosed value XXX. Final CD in file CD XXX disclosed finance charge is XXX. Provide evidence of refund or principal reduction for XXX or, at a minimum, to the $XXX threshold, post-close CD, XXX and evidence of delivery to the borrower within XXX days of discovery. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX compliance report no fail, supportive of CDs XXX provided already. - Buyer-XXX <br> Counter------Received CD XXX and XXX. The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX.Finance charge is understated by XXX which exceeds threshold of XXX. Provide evidence of refund or principal reduction for $XXX or, at a minimum, to the $XXX threshold, post-close CD, XXX and evidence of delivery to the borrower within XXX days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. Finidng remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Revised CD and XXX - Buyer-XXX<br> Open-This loan failed the XXX foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate for purposes of rescission because it is understated by more than $XXX. ----- Finance charge is understated by $XXX which exceeds threshold of $XXX. Provide evidence of refund or principal reduction for $XXX or, at a minimum, to the $XXX threshold, post-close CD, XXX and evidence of delivery to the borrower within XXX days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. - Due Diligence Vendor-XXX |  | Resolved-Received PCCD XXX and XXX - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV; XXX% max allowed<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110644 | XXX | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: Closing Disclosure not received by the borrower XXX days prior to consummation | Resolved-Received CD XXX with disclosure tracking confirming same day delivery. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open------Missing initial CD and acknowledgement by borrower(s) a minimum XXX days prior to consummation date, unable to test. Additional finding may apply upon receipt - Due Diligence Vendor-XXX |  | Resolved-Received CD XXX with disclosure tracking confirming same day delivery. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV; XXX% max allowed<br> Months Reserves exceed minimum required - XXX months reserves documented, XXX months required |  | XXX.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110584 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX information - Buyer-XXX<br> Open-The Business Entity Formation Document is Missing Missing corporate documents, including, but not limited to XXX, Operating Agreement, Formation, Department of Corporations Active/Good Standing, Borrowing Certification, XXX for the following business: XXX. Other findings may apply upon review of missing documents. - Due Diligence Vendor-XXX |  | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Reserves: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110586 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower 1 Credit Report is Missing. Missing credit report - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received Credit Report. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - DTI XXX% is lower than allowable XXX%<br> LTV is less than guideline maximum - LTV XXX% is lower than maximum XXX% |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110591 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Missing Evidence of Property Tax Not on title and no tax cert found in zip files - Due Diligence Vendor-XXX |  | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110585 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Partial | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Insurance - Seller-XXX<br> Counter-Renewal required. Provide updated XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting doc - Seller-XXX<br> Open-XXX (Or XXX if Subject Property is a XXX) is only Partially Provided The XXX must be effective for at least XXX days after the date of funding. Funding date XXX, policy expires XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Insurance - Seller-XXX <br> Ready for Review-Document Uploaded. Supporting doc - Seller-XXX | Resolved-Received XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110585 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110585 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110582 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Final inspection - Buyer-XXX<br> Counter-1004d required or must meet XXX Requirements for Verifying Completion and Postponed Improvements (XXX). (missing borrower attestation letter, invoice if following XXX requirements) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Per XXX, okay to clear. XXX has been installed - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-XXX |  | Resolved-Received final inspection. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110582 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received XXX, debt on credit report. No additional documentation required. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX from borrower. Debt is exempt - Buyer-XXX<br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. B1 has marked Yes on being a cosignor or guarantor on debt or loan not disclosed on this application. However, no documentation has been provided on this. Additional conditions may apply. - Due Diligence Vendor-XXX |  | Resolved-Received XXX, debt on credit report. No additional documentation required. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110582 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-XXX<br> Open-This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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). -----XXX (XXX%) tolerance fees (Title - Closing Fee (Seller Paid) - $XXX, Title - Document (Seller Paid) - $XXX, Title - Payoff Processing (Seller Paid) - $XXX, Title - Proceeds Handling (Seller Paid) - $XXX, Title - Recording Services (Seller Paid) - $XXX) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved-Upon further review, no further documentation is needed or required. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX.<br> Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110647 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110589 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected documentation confirming XXX and title confirmation of XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Confirmation from XXX is XXX - Seller-XXX<br> Counter-Received XXX - missing confirmation subject is a XXX as not reflecting on title report. Please have title confirm XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Missing justification for appraiser marking subject as a XXX. Title report does not show a XXX endorsement and the mortgage does not have XXX. Audit entering subject as a XXX until clarification is obtained. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Confirmation from XXX is XXX - Seller-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Received corrected documentation confirming XXX and title confirmation of XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110589 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received XXX supporting XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX <br> Counter-Documentation received is insufficient-Missing XXX months mortgage history for subject. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Borrowers signed rent free letter attached<br> - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Mortgage on the subject is in the spouse's name only. Only XXX mortgage statements provided. XXX guideline - If a borrower's credit report doesn't include sufficient mortgage payment history, XX requires lenders to verify the borrower's payment history on a previous mortgage through alternative sources. These include standard mortgage verifications, loan payment history from the servicer, or the borrower's XXX for the last XXX months. Missing XXXXXX months mortgage history - Due Diligence Vendor-XXX |  | Resolved-Received XXX supporting XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110589 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Report - Buyer-XXX<br> Open-XXX Not Checked with Exclusionary Lists XXX not on loan participant analysis - Due Diligence Vendor-XXX |  | Resolved-Received complete fraud report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110649 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded mortgage with complete Notary acknowledgement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary did not complete section/date - Due Diligence Vendor-XXX |  | Resolved-Received recorded mortgage with complete Notary acknowledgement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110603 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Buyer-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). title coverage not provided. - Due Diligence Vendor-XXX |  | Resolved-Received updated prelim reflecting sufficient coverage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. <br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110593 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-XXX in file is acceptable. Borrower signed as an XXX, simply listing the name of the borrowing entity above the signature line does not indicate the borrower signed as an entity. - Due Diligence Vendor-XXX<br> Counter-Guaranty Agreement provided has B1 "Borrowing Entity" listed above the signature line. Guaranty Agreement should just list the borrower's name and no entity name above the signature. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX guaranty agreement - Buyer-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty Agreement provided has B1 "XXX" listed. Guaranty Agreement should just list the borrower's name. - Due Diligence Vendor-XXX |  | Resolved-XXX Guaranty in file is acceptable. Borrower signed as an XXX Guarantor, simply listing the name of the borrowing entity above the signature line does not indicate the borrower signed as an entity. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX.<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110593 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX.<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110593 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow for XXX layering, Non-material waiver applied with comp factors. non-material due to experienced investor, low LTV, B1 owns XXX% of the other LLC. - Due Diligence Vendor-XXX<br> Open-Lender exception provided to allow for layering. Loan closed in LLC which is owned by another LLC which B1 is XXX% owner. - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow for XXX layering, Non-material waiver applied with comp factors. non-material due to experienced investor, low LTV, B1 owns XXX% of the other LLC. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX.<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months. | Reserves XXX months<br> FICO XXX<br> Perfect mortgage history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110594 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Counter-Guaranty Agreement provided has B1 "Borrowing Entity" listed. Guaranty Agreement should just list the borrower's name and not the borrowing entity (Signature). - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Seller-XXX <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Guaranty Agreement provided has B1 "XXX" listed. Guaranty Agreement should just list the borrower's name. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. XXX guaranty - Seller-XXX | Resolved-Received XXX Guaranty Agreement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months.<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX score. Qualifying credit score is XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110594 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver for closing in layered entity, applied to non material finding with comp factors - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Counter-Exception Request Provided. Pending receipt of the email approval. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. exception - Seller-XXX <br> Open-Layered XXX. Loan closed in LLC. The LLC in which the loan closed is owned by another entity owned by the borrower. XXX or XXX Entities are not permitted. Missing exception - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Ready for Review-Document Uploaded. exception - Seller-XXX | Waived-Client provided a waiver for closing in XXX entity, applied to non material finding with comp factors - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months.<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX score. Qualifying credit score is XXX. | FICO: XXX>XXX<br> Reserves: XXX months >XXX months required | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110594 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal Description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. mortgage - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-XXX |  | Resolved-Received Mortgage w/Legal Description. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Guidelines require XXX months of reserves. Qualifying reserves are XXX months.<br> LTV is less than guideline maximum - LTV: XXX% Max XXX%<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX score. Qualifying credit score is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110646 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CD and XXX revised XXX & tracking - Buyer-XXX<br> Open-\*NEW\* 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 (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §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 XXX to XXX on final CD without a valid XXX in file. Provide a XXX for decrease OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX years- Expiration date is XXX. - Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110646 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | XXX: CD not delivered at least XXX days prior to consummation | Resolved-Received CD XXX with disclosure tracking. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. re-attached - Buyer-XXX<br> Counter------No new document uploaded. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Document Uploaded. XXX and tracking - Buyer-XXX <br> Open-.....Missing initial CD acknowledged by borrower a minimum of XXX days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations XXX years- Expiration date is XXX.<br> - Due Diligence Vendor-XXX |  | Resolved-Received XXX XXX with disclosure tracking. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - LTV XXX%; max XXX%.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110604 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110650 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Assets | Asset XXX Does Not Meet Guideline Requirements | Waived-Client exception to use business funds. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX<br> Open-Asset Record XXX Does Not Meet G/L Requirements Exception request to use business funds when borrower is less than XXX% owner. Borrower only XXX% owner. XXX approval in loan file - Due Diligence Vendor-XXX |  | Waived-Client exception to use business funds. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX | Min XXX, actual XXX<br> Min DSCR XXX, actual XXX<br> Min Reserves XXX, actual XXX<br> Credit profile Excellent credit, low credit utilization, no credit event |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110650 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception to allow XXX with no housing history. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX <br> Open-Housing History Does Not Meet Guideline Requirements Exception request for no housing history for a XXX. XXX approval in file. - Due Diligence Vendor-XXX |  | Waived-Client exception to allow First Time Investor with no housing history. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Min XXX months, actual XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX | Min XXX, actual XXX<br> Min DSCR XXX, actual XXX<br> Min Reserves XXX, actual XXX<br> Credit profile Excellent credit, low credit utilization, no credit event |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110648 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110595 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain XXX for credit inquiries | Resolved-Received credit inquiry XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Buyer-XXX<br> Open-XXX for credit inquiries is missing. - Due Diligence Vendor-XXX |  | Resolved-Received credit inquiry XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110599 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, Management payment history provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Counter-Received XXX page of lease and printout of payments made for rent-missing corresponding bank statements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Open-Housing History Does Not Meet Guideline Requirements Missing XXX in the amount of $XXX monthly. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. supporting docs - Seller-XXX<br> Ready for Review-Document Uploaded. supporting docs - Seller-XXX | Resolved-Upon further review, Management payment history provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The score is FICO XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110599 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received confirmation collection awarded to ex in XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. VOR - Seller-XXX<br> Ready for Review-Document Uploaded. LOX - Seller-XXX<br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Collection account > XXX months old with exceeding the cumulative of XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. VOR - Seller-XXX<br> Ready for Review-Document Uploaded. LOX - Seller-XXX | Resolved-Received confirmation collection awarded to ex in divorce decree. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The score is FICO XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110599 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than XXX% Test | Resolved-Received PCCD XXX, lender credit XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Closing Disclosure - signed - Buyer-XXX<br> Counter-Received draft XXX, provide evidence of XXX sent to borrower a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Here is an updated draft CD with the $XXX tolerance cure added - Buyer-XXX<br> Open-This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges (XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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). -----XXX (XXX%) tolerance fees (Recording Fees) increased by $XXX without a valid XXX in file. Provide a valid and timely XXX for increase OR evidence of refund to borrower or principal reduction in the amount of XXX, post-close CD, XXX and evidence of delivery to borrower within XXX days of consummation date. Statute of Limitations XXX year- Expiration date is XXX.<br>- Due Diligence Vendor-XXX |  | Resolved-Received PCCD XXX, lender credit $XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The score is FICO XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110599 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Compliance documentation received. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Counter-Pending compliance condition requirements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Here is an updated draft CD with the $XXX tolerance cure added for compliance condition - Seller-XXX <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending compliance docs. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Here is an updated draft CD with the $XXX tolerance cure added for compliance condition - Seller-XXX | Resolved-Compliance documentation received. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The score is FICO XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110599 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Compliance documentation received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX<br> Counter-Pending compliance condition requirements. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Here is an updated draft CD with the $XXX tolerance cure added for compliance condition - Buyer-XXX<br> Open-The Originator QM Status is not the same as the Final QM Status. Pending compliance docs. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-XXX | Resolved-Compliance documentation received. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The score is FICO XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110599 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received documentation to support XXX month chain of title. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting doc - Buyer-XXX<br> Counter-Received duplicate copy of prelim-missing XXX months chain of title. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Title - Seller-XXX<br> Open-Unsatisfactory Chain of Title provided. Missing XXX months Chain of Title. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Title - Seller-XXX | Resolved-Received documentation to support XXX month chain of title. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves.<br> Qualifying FICO score is at least XXX points above minimum for program - The score is FICO XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110597 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110601 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Per the borrower's XXX tax returns, the property was sold. - Due Diligence Vendor-XXX<br> Counter-XXXreflect on XXX Schedule XXX (page XXX). Missing if property free & clear. missing taxes and insurance and was not disclosed on 1003 XXX . If property sold - need evidence XXX property. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Challenging this condition - we do not have this as an address on our documents. Please see the final signed 1003 and the fraud report. This address does not belong to our borrower. - Seller-XXX<br> Open-per Schedule XXX. missing if property free & clear. missing taxes and insurance and was not disclosed on 1003 XXX . If property XXX - need evidence XXX property. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Challenging this condition - we do not have this as an address on our documents. Please see the final signed 1003 and the fraud report. This address does not belong to our borrower. - Seller-XXX | Resolved-Per the borrower's XXX tax returns, the property was sold. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying score XXX; minimum score XXX<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110601 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received fully executed Business Purpose XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Missing Business Purpose Cert with Borrower 2 signature - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received fully executed Business Purpose XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying score XXX; minimum score XXX<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110592 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received XXX month housing history. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. VOR updated - Buyer-XXX<br> Counter-Credit Supplement provided, however it states the borrower stopped renting XXX. Please provide a corrected 1003 and primary housing history from XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. VOR Uploaded - Buyer-XXX<br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing the housing history for the borrower's primary that he has rented for XXX year for XXX per month. - Due Diligence Vendor-XXX |  | Resolved-Received XXX month housing history. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min FICO XXX, Bwr FICO XXX<br> LTV is less than guideline maximum - Max LTV XXX%, current LTV XXX% |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110592 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | XXX Questionnaire Document is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Buyer-XXX<br> Open-Subject Property is part of an XXX but the XXX Document is Missing. Missing XXX - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min FICO XXX, Bwr FICO XXX<br> LTV is less than guideline maximum - Max LTV XXX%, current LTV XXX% |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110598 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-XXX for XXX. Not required to XXX for . - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-XXX<br> Counter-Per client, XXX does not have dues and the XXX is split between the XXX units, however the Appraisal reflects XXX dues. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. XXX XXX - Buyer-XXX<br> Open-Guides require flood insurance to be XXX. The subject property is located in XXX and a XXX was provided. The XXX is part of (and included in) the XXX. However, neither the XXX or the XXX were escrowed on the closing disclosure. It should be noted that although the subject is a XXX-unit condominium and a "XXX" is listed on the XXX in file, the owner of the subject property and the owner of the other unit are responsible to pay the XXX . - Due Diligence Vendor-XXX |  | Resolved-XXX for XXX. Not required to XXX for XXX . - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Borrowers verified XXX months of PITIA reserves, XXX months minimum required.<br> Qualifying DTI below maximum allowed - Borrowers' audited DTI ratio is XXX%, XXX% maximum allowed. |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110600 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110606 |  | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received final 1003 reflecting XXX - Due Diligence Vendor-XXX<br> Open-Borrower XXX Documentation Is Missing Application was not provided unable to determine XXX status - Due Diligence Vendor-XXX |  | Resolved-Received final 1003 reflecting XXX - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Verified assets of XXX months exceeds the minimum required of XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110606 |  | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached. - Seller-XXX<br> Open-Approval/Underwriting Summary Not Provided. Missing loan approval or 1008 for transaction. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XXX | Resolved-Received 1008 - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Verified assets of XXX months exceeds the minimum required of XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110606 |  | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached. - Seller-XXX <br> Open-The DSCR Calculation from lender is Missing. Missing DSCR calculation form from lender. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XXX | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Verified assets of XXX months exceeds the minimum required of XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110606 |  | XXX D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received final 1003 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Please see attached. - Seller-XXX<br> Open-Missing 1003 / Application. B1 was qualified assuming XXX status. Additional conditions may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XXX | Resolved-Received final 1003 - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Verified assets of XXX months exceeds the minimum required of XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110606 |  | XXX D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Investor accepts current XXX therefore deemed non-material. Client waiver applied to non-material findings - Due Diligence Vendor-XXX<br> Open-Prepayment Penalty is not allowed. Note has XXX-year step down prepay XXX%, XXX% and XXX%. Per guide XXX Year Prepayment Penalty should be XXX%, XXX%, XXX% - Due Diligence Vendor-XXX |  | Waived-Investor accepts current XXX therefore deemed non-material. Client waiver applied to non-material findings - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Verified assets of XXX months exceeds the minimum required of XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Guidelines require XXX credit score. Qualifying credit score is XXX. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110596 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow removal of parent from assets, Non-material waiver applied with comp factors. non-material due to additional XXX removed from assets. - Due Diligence Vendor-XXX<br> Open-Income and Employment Do Not Meet Guidelines Allow use of a XXX on an asset loan that was a XXX with borrower's XXX, but the XXX has<br> been removed from the account - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow removal of parent from assets, Non-material waiver applied with comp factors. non-material due to additional XXX removed from assets. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> On time mortgage history exceeds guideline requirement - XXX all mortgage to XXX | Credit Score - Housing history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110596 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Property | Appraisal | Unsupported adjustments or comps | Waived-Client exception granted to allow outdated comparable, Non-material waiver applied with comp factors. non-material due to value supported with Desk review. - Due Diligence Vendor-XXX<br> Open-Comparable sales are dated-Lender exception in file - Due Diligence Vendor-XXX |  | Waived-Client exception granted to allow outdated comparable, Non-material waiver applied with comp factors. non-material due to value supported with Desk review. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required<br> On time mortgage history exceeds guideline requirement - XXX all mortgage to XXX | Credit score<br> Mortgage history |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110590 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110601 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 XXX Less Than XXX Months Provided | Resolved-Per Client, lock changed to XXX year full doc. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated lock confirmation - now XXX month full documentation - Seller-XXX<br> Open-Borrower 2 XXX Less Than XXX Months Provided Loan is reflected as a XXX year Full Doc. However, only XXX year XXX has been provided. No other income docs supplied. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Updated lock confirmation - now XXX month full documentation - Seller-XXX | Resolved-Per Client, lock changed to XXX year full doc. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110601 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 XXX Less Than XXX Months Provided | Resolved-Per Client, lock changed to XXX year full doc. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Updated lock confirmation - now XXX month full documentation - Seller-XXX<br> Open-Borrower 1 XXX Less Than XXX Months Provided Loan is reflected as a XXX year Full Doc. However, only XXX year XXX has been provided. No other income docs supplied. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Updated lock confirmation - now XXX month full documentation - Seller-XXX | Resolved-Per Client, lock changed to XXX year full doc. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110601 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - XXX Borrower Identification Form | Resolved-Received XXX disclosure. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Completed XXX - Buyer-XXX<br> Open-Missing Disclosure - XXX Borrower Identification Form. - Due Diligence Vendor-XXX |  | Resolved-Received XXX disclosure. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110601 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Mortgage with Legal - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached exhibit A legal description. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Mortgage with Legal - Seller-XXX | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110655 | XXX | C B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Received Revised Lease Agreement with Start and end dates and XXX stating no relationship. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Submitted XXX and updated lease with complete Start and Stop dates to XXX<br> - Buyer-XXX<br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Borrower is a first time investor. Lease is required as information is not listed on the appraisal. New lease - lease does not reflect a start date, end date reflects XXX, and tenant has same last name as borrower. without using lease income DSCR < XXX on first time investor not allowed. - Due Diligence Vendor-XXX |  | Resolved-Received Revised Lease Agreement with Start and end dates and XXX stating no relationship. - Due Diligence Vendor-XXX | On time mortgage history exceeds guideline requirement - Mortgage History: XXX months<br>Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX>XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110655 | XXX | C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver t for XXX with Waived-Client provided a waiver XXX for XXX with On time mortgage history exceeds guideline requirement - Mortgage History: XXX months<br>Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX>XXX Mortgage History: XXX months<br> FICO: XXX>XXX<br>XXX.pdf ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX NA Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110651 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | XXX or Additional Valuation has not been entered per securitization requirements | Resolved-Received XXX with a XXX score of XXX - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-XXX<br> Open-Additional valuation product has not been provided. - Due Diligence Vendor-XXX |  | Resolved-Received XXX with a CU score of XXX - Due Diligence Vendor-XXX | DSCR % greater than XXX - DSCR is XXX.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110613 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (XXX) | Resolved-Received 1008 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 - Buyer-XXX<br> Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-XXX |  | Resolved-Received 1008 - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline min is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110613 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Purchase Agreement - Seller-XXX<br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase contract. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Purchase Agreement - Seller-XXX | Resolved-Received Purchase agreement. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline min is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110613 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | XXX or Additional Valuation has not been entered per securitization requirements | Resolved-Received XXX with a CU score of XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. CDA - Buyer-XXX<br> Open-Additional valuation product has not been provided. Missing XXX to support appraised value. - Due Diligence Vendor-XXX |  | Resolved-Received XXX with a CU score of XXX - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline min is XXX months. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110613 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved-Received XXX documentation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. other XXX - Seller-XXX<br> Open-Per Final 1003 missing the following: XXX XXX verification of taxes and insurance, XXX XXX verification of taxes and insurance, XXX XXX Verification PITI is include in the mortgage payment, XXX XXX verification of taxes and insurance. Audit used lenders figures from Final 1003. Figures to be confirmed upon receipt. Additional conditions may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. other XXX - Seller-XXX | Resolved-Received XXX documentation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline min is XXX months. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110616 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110607 |  | XXX C B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator waiver applied to non material finding with compensating factors. XXX with XXX XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Subject Property is Ineligible due to XXX with XXX XXX. Property has XXX-Units total and is XXX for XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Waived-Originator waiver applied to non material finding with compensating factors. XXX with XXX XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months | DSCR XXX,.XXX<br> LTV XXX%, XXX% XXX<br> Current mortgage history XXX<br> Reserves XXX months, XXX > XXX months min | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025110588 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Counter-Unable to upload document, error message. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc - Buyer-XXX<br> Open-The Final 1003 is Missing -----The Final 1003 is Missing - Due Diligence Vendor-XXX |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |  | XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110588 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement analysis. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc - Seller-XXX<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc - Seller-XXX | Resolved-Received bank statement analysis. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110588 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement analysis. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc - Seller-XXX<br> Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc - Seller-XXX | Resolved-Received bank statement analysis. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110588 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Doc - Seller-XXX<br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title Coverage amount is only for XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting Doc - Seller-XXX | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO = XXX Min FICO = XXX<br> On time mortgage history exceeds guideline requirement - On Time Mortgage History = XXX Months Required = XXX months |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110606 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | XXX is ineligible | Resolved-Received confirmation of Type XXX limited review. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX is an XXX - Buyer-XXX<br> Open-XXX has XXX% investor concentration - maximum is XXX% - Due Diligence Vendor-XXX |  | Resolved-Received confirmation of Type XXX limited review. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110611 |  | XXX C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received XXX Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min FICO XXX, Bwr FICO XXX <br> Months Reserves exceed minimum required - XXX mths reserves; XXX mths required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110656 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received documentation to support the borrower is not a XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Corrected XXX, Borrower Is not a first time investor - Buyer-XXX<br> Open-The Calculated DSCR of 'XXX' is less than the minimum DSCR per lender guidelines of 'XXX'. First time investor minimum DSCR is XXX - Due Diligence Vendor-XXX |  | Resolved-Received documentation to support the borrower is not a XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The XXX Doc is Present or Not Applicable. - Due Diligence Vendor-XXX<br> Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Guaranty agreement - Seller-XXX<br> Counter-Received business purpose XXX-missing Guaranty Agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Business Purpose - Buyer-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Per guideline, if Note is signed only as the member or business representative, the borrower must sign a XXX. File is missing guaranty. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Guaranty agreement - Seller-XXX | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-XXX<br> Resolved-Received Guaranty Agreement - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal reflecting the correct owner. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. The uploaded is unlayering of the LLC which would satisfy the final condition. - Seller-XXX <br> Counter-Review received originator commentary-XXX acceptable. XXX. Owner of Record on appraisal must be corrected. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) proof of delivery<br> 2) XXX for appraisal - Buyer-XXX<br> Open-1. Appraiser to address page XXX of appraisal that shows XXX units and Rent schedule (XXX) that includes rent for a XXX unit. Additional findings may apply.<br> 2. Appraiser to address page XXX of appraisal (XXX) that shows an owner of record that does not match title commitment (XXX). <br> 3. Appraiser to address if the old garage noted in XXX (XXX) is a safety issue. Additional findings may apply.<br> 4. Appraiser to address if items noted on the XXX (XXX) pose a safety issue. Additional findings may apply. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. The uploaded is unlayering of the XXX which would satisfy the XXX condition. - Seller-XXX | Resolved-Received revised appraisal reflecting the correct owner. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received documentation to support the borrower is XXX% owner of the XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. unlayering of the LLC - Buyer-XXX<br> Open-Per guidelines, Layered or XXX Entities are not permitted. Title is XXX in XXX (XXX) that is XXX%owned by a XXX (XXX).<br> - Due Diligence Vendor-XXX |  | Resolved-Received documentation to support the borrower is XXX% owner of the XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected 1003 reflecting mortgage on credit report tied to XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. this should take care of 1003 and the housing conditions as primary mtg on credit - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing XXX-month mortgage payment history for primary residence meeting guideline requirements. The XXX mortgage noted on credit report (XXX) is identified with primary address noted in XXX schedule (XXX); however, page XXX of 1003 (XXX) identifies a different address as primary residence. Additional findings may apply.<br> 2. Missing XXX-month mortgage payment history meeting guideline requirements for subject if mortgage in effect within past XXX months. No mortgage was paid from proceeds; however, fraud report (XXX) shows a XXX mortgage that was opened in XXX. Additional findings may apply. - Due Diligence Vendor-XXX |  | Resolved-Received corrected 1003 reflecting mortgage on credit report tied to primary residence. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. this should take care of 1003 and the housing conditions as primary mtg on credit - Buyer-XXX<br> Open-Missing corrected primary address on 1003. Page 1 of 1003 (XXX) notes XXX property as primary and the XXX schedule (XXX) identifies a different property as primary. Additional findings may apply. - Due Diligence Vendor-XXX |  | Resolved-Received corrected 1003. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received all documentation required for transfer of appraisal. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. proof of delivery - Seller-XXX<br> Counter-Received lender transfer and certification confirming compliance. Missing confirmation appraisal was delivered to borrower. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. appraisal transfer letter - Buyer-XXX<br> Open-Missing documents required for transferred appraisals. Guidelines require for transferred appraisal, a letter from the original lender on XXX stating they are transferring the appraisal, lender certification they have complied with XXX, State and XXX Appraisal XXX requirements, and evidence borrower received appraisal within XXX business days of completion. File only included an illegible transfer letter (XXX).<br> - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. proof of delivery - Seller-XXX | Resolved-Received all documentation required for transfer of appraisal. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110609 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DOT with legal - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Exhibit A. - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - XXX FICO exceeds XXX minimum required.<br> Months Reserves exceed minimum required - XXX months reserves and XXX months required. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110611 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | XXX is Missing | Resolved-Received XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX- Buyer-XXX<br> Open-Missing XXX Missing from loan files - Due Diligence Vendor-XXX |  | Resolved-Received XXX - Due Diligence Vendor-XXX | Verified employment history exceeds guidelines - Min XXX years, borrower employed XXX years XXX months<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> On time mortgage history exceeds guideline requirement - XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110658 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received evidence of XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX agreement - Buyer-XXX<br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Business Entity Formation Document is Missing. - Due Diligence Vendor-XXX |  | Resolved-Received evidence of XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110658 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing XXX Number for Business Entity | Resolved-XXX XXX value is acceptable. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX provided - Seller-XXX<br> Counter-State documentation provided. Please provide the XXX from the XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX - Performed a XXX XXX Status State of XXX which shows Active Registration date/formation date XXX. - Buyer-XXX | Ready for Review-Document Uploaded. XXX provided - Seller-XXX | Resolved-XXX XXX value is acceptable. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110658 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX Mortgage recorded with Legal Desc<br> - Buyer-XXX<br> Counter-Commitment w/Legal provided. Please provide the Legal Attached to the mortgage. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Legal Description recoreded with the deed - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Legal Description recoreded with the deed - Seller-XXX | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO score XXX; guidelines require XXX. <br> DSCR % greater than XXX - DSCR is XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110652 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110623 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110653 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation borrowers owns primary free and clear. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) Notes Primary residence owned free and clear<br> 2) Property Profile Primary Residence<br> 3) Primary Residence Release of Liens - Buyer-XXX<br> Open-Housing History Does Not Meet Guideline Requirements First Time Investors are allowed with verified XXX-month housing payment history. No history provided. <br> - Due Diligence Vendor-XXX |  | Resolved-Received confirmation borrowers owns primary free and clear. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves documented, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICO, XXX required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110654 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Tax Calculation - Seller-XXX <br> Counter-Received evidence of property tax-figure does not match Re Taxes considered on final CD. Please provide calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. PROPERTY TAX CERT FROM XXX<br> - Seller-XXX<br> Open-Missing Evidence of Property Tax Missing lenders tax calculation for subject. Taxes obtained from Final CD. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Tax Calculation - Seller-XXX<br> Ready for Review-Document Uploaded. PROPERTY TAX CERT FROM TITLE XXX<br> - Seller-XXX | Resolved-Received tax calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> DSCR % greater than XXX - DSCR = XXX |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110654 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Client waiver applied to non-material finding with compensating factors. Accepting the XXX property analysis provided for this loan in lieu of the 1007 - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Investor response - XXX analysis - Seller-XXX<br> Counter-Received duplicate documentation-documentation does not meet guidelines XXX. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Short Term Rental Rate Analysis<br> - Buyer-XXX<br> Open-Per guides Form XXX or XXX based on short-term rental comparables will be required. Loan file contains short term rent analysis per appraisal the 1007 was removed. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Investor response - XXX analysis - Seller-XXX | Waived-Client waiver applied to non-material finding with compensating factors. Accepting the XXX property analysis provided for this loan in lieu of the 1007 - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> DSCR % greater than XXX - DSCR = XXX | XXX DSCR<br> XXX months of reserves. | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110654 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-XXX<br> Counter-Received schedule A from title-please provide complete security instrument with legal description attached. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Schedule A - Legal Description, Recorded with Deed of Trust<br> - Seller-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Schedule A - Legal Description, Recorded with Deed of Trust<br> - Seller-XXX | Resolved-Legal description provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> DSCR % greater than XXX - DSCR = XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110625 | XXX | D B A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Missing Third Party Fraud Report Missing from loan file - Due Diligence Vendor-XXX |  | Resolved-Received Fraud Report. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110625 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | XXX is Missing | Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-The XXX disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110625 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Min XXX, actual XXX<br> Qualifying DTI below maximum allowed - Max XXX%, actual XXX%<br> Months Reserves exceed minimum required - Min XXX, actual XXX<br> LTV is less than guideline maximum - Max XXX%, actual XXX% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110614 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Statement. < XXX payments for the installment loan - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX was paid down to less than XXX payments. - Buyer-XXX<br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending verification of the excluded debt./ - Due Diligence Vendor-XXX |  | Resolved-Received Statement. < XXX payments for the installment loan - Due Diligence Vendor-XXX | Credit history exceeds minimum required - Credit to XXX XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICOI, XXX required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110614 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received Statement. < XXX payments for the installment loan. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX was paid down to less than XXX payments. - Buyer-XXX<br> Open-Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing support for exclusion of XXX XXX auto payment at $XXX monthly. - Due Diligence Vendor-XXX |  | Resolved-Received Statement. < XXX payments for the installment loan. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% - Due Diligence Vendor-XXX | Credit history exceeds minimum required - Credit to XXX XXX<br> Qualifying FICO score is at least XXX points above minimum for program - XXX FICOI, XXX required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110610 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the Business Purpose XXX Disclosure is in the loan file, p. XXX. - Due Diligence Vendor-XXX<br> Open-The Business Purpose XXX Disclosure is Missing - Due Diligence Vendor-XXX |  | Resolved-After further review, the Business Purpose XXX Disclosure is in the loan file, p. XXX. - Due Diligence Vendor-XXX | Long term residence - The Borrower has resided at the current residence for XXX years.<br> Months Reserves exceed minimum required - The Borrowers have XXX months in reserves; XXX months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110610 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-After further review, the Guaranty Agreement Doc is in the loan file, p. XXX. - Due Diligence Vendor-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-XXX |  | Resolved-After further review, the Guaranty Agreement Doc is in the loan file, XXX. - Due Diligence Vendor-XXX | Long term residence - The Borrower has resided at the current residence for XXX years.<br> Months Reserves exceed minimum required - The Borrowers have XXX months in reserves; XXX months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110610 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-XXX Guarantees provided by all members of the XXX who qualify for the loan, per guides. - Due Diligence Vendor-XXX<br> Open-Missing XXX Guaranty; There are XXX Members. B1. B2 and another Individual. - Due Diligence Vendor-XXX |  | Resolved-XXX provided by all members of the XXX who qualify for the loan, per guides. - Due Diligence Vendor-XXX | Long term residence - The Borrower has resided at the current residence for XXX years.<br> Months Reserves exceed minimum required - The Borrowers have XXX months in reserves; XXX months required by guidelines. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110610 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR worksheet from XXX uploaded - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-XXX |  | Resolved-DSCR calc provided. - Due Diligence Vendor-XXX | Long term residence - The Borrower has resided at the current residence for XXX years.<br> Months Reserves exceed minimum required - The Borrowers have XXX months in reserves; XXX months required by guidelines. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110617 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received complete XXX month chain of title. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) please see vesting deed attached<br> 2) Please see title run sheet attached - Buyer-XXX<br> Open-XXX provided. Missing required XXX Month Chain of Title - Due Diligence Vendor-XXX |  | Resolved-Received complete XXX month chain of title. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX% |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110620 | XXX | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Bank Statement Income Calc. - Due Diligence Vendor-XXX |  | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Months reserves required is XXX; qualifying reserves is XXX months.<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX; qualifying FICO is XXX. |  | XXX.pdf | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110624 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence VendorXXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required<br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110624 | XXX | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 2 XXX Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). - Due Diligence Vendor-XXX |  | Resolved-Received XXX. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required<br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110662 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow the appraiser prepared short term rental rent schedule delivered for DSCR calc with no XXX. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Seller Rebuttal Uploaded - Buyer-XXX <br> Counter-Exception for no XXX provided, however we are missing Short Term rent calculation of Form XXX or XXX as required by the guidelines. - Due Diligence Vendor-XXX<br> Open-Per guidelines Form XXX or XXX based on short-term rental comparables is required, file contain Short Term Rental Analysis not on these forms. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow the appraiser prepared short term rental rent schedule delivered for DSCR calc with no XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX | XXX fico<br> XXX DSCR<br> XXX months of reserves<br> XXX year PPP<br> XXX% LTV, XXX% max<br> Experienced investor | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110662 | XXX | D B A | Closed | XXX | XXX | XXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX<br> Open-Relevant Guideline: XXX with no XXX mo rental XXX available.<br> Exception Request: XXX with no XXX mo rental XXX available. The subject is currently vacant on a purchase transaction.<br> - Due Diligence Vendor-XXX |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months<br> Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX | Min FICO: XXX FICO: XXX<br> Min DSCR XXX DSCR: XXX <br> Max LTV XXX, LTV is XXX <br> Min Reserves: XXX, <br>|  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110661 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110663 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110628 | XXX | D A | Closed | FCOM1351 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-XXX<br> Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. Personal Guaranty - Buyer-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. - Due Diligence Vendor-XXX |  | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Due Diligence Vendor-XXX<br> Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrowers has XXX months in reserves; XXX months required by guidelines.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110628 | XXX | D A | Closed | FCRE0043 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. DSCR XXX - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation; used (XXX) XXX. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrowers has XXX months in reserves; XXX months required by guidelines.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110628 | XXX | D A | Closed | FPRO1253 | XXX | XXX | Resolved | 1 - Information D A | Property | Missing Doc | XXX or Additional Valuation has not been entered per securitization requirements | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX, pulled same date--CU score XXX - Buyer-XXX<br> Open-Additional valuation product has not been provided. Missing XXX to support XXX. - Due Diligence Vendor-XXX |  | Resolved-Additional valuation product is provided, or Applicable - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - The Borrowers has XXX months in reserves; XXX months required by guidelines.<br> Qualifying FICO score is at least XXX points above minimum for program - The Borrowers FICO score is XXX; guideline minimum is XXX. |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110626 | XXX | C A | Closed | FCRE1510 | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. attached - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing "Exhibit A" legal description attached to the DOT. - Due Diligence Vendor-XXX |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Guidelines allow LTV to XXX%. Subject loan LTV is XXX%.<br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110659 | XXX | C B A | Closed | FCRE1492 | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow Using appraised value with seasoning < XXX months Non-materialwaiver applied with comp factors. non-material due to value supported with desk review - Due Diligence Vendor-XXX<br> Open-Cash Out Does Not Meet Guideline Requirements Property owned Waived-Client exception granted to allow Using appraised value with seasoning < XXX months Non-materialwaiver applied with comp factors. non-material due to value supported with desk review - Due Diligence Vendor-XXX<br> LTV is less than guideline maximum - LTV XXX% LTV. Allowed XXX%<br> DSCR % greater than XXX - DSCR is XXX. 1. DSCR is XXX. 2. LTV XXX% LTV. Allowed XXX%. ATR/QM: Exempt ATR/QM: Exempt XXX XXX XXX XXX XXX Investor Post-Close No XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110629 | XXX | D A | Closed | FCRE1316 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Counter-Received tax preparer letter and s/e narrative both dated XXX-please provide XXX dated within XXX days of closing. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting docs - Seller-XXX<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing For XXX, the existence of the business must be XXX verified through a disinterested third party within XXX business days of closing, - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Supporting docs - Seller-XXX | Resolved-Received XXX. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required <br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110629 | XXX | D A | Closed | FCRE7497 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Statement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. this is the mortgage statement already uploaded.Thank you - Seller-XXX<br> Counter-Received XXX stating property escrowed-missing confirmation-please provide mortgage statement or confirmation on credit supplement. Finding remains. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX<br> Open-Missing XXX LOSS/EXPENSES for property XXX on 1003 - only P&I & XXX fee provided - Taxes & XXX expenses are missing - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. this is the mortgage statement already uploaded.Thank you - Seller-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Seller-XXX | Resolved-Received Statement. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required <br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110629 | XXX | D A | Closed | FCRE6696 | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Employment Self-Employed Less Than XXX Years at Origination | Resolved-Received documentation to support XXX years self-employment. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Per lender's online search provided, XXX was formed in XXX, which is not a full XXX years. Missing a complete XXX year history of self-employment in the same or related field. - Due Diligence Vendor-XXX |  | Resolved-Received documentation to support XXX years self-employment. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required <br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110629 | XXX | D A | Closed | FCRE8611 | XXX | XXX | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received XXX from the borrower regarding the name change. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX <br> Open-Missing evidence of the business name change of XXX to XXX (to show businesses are in a related field) - Due Diligence Vendor-XXX |  | Resolved-Received XXX from the borrower regarding the name change. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required <br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying FICO XXX is higher than XXX minimum required |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110634 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110630 | XXX | D A | Closed | FCRE0043 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. DSCR worksheet - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-XXX |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - FICO: XXX Min XXX<br> LTV is less than guideline maximum - LTV: XXX% Max XXX<br>Months Reserves exceed minimum required - Reserves: XXX Min XXX <br> DSCR % greater than XXX - DSCR: XXX Min XXX |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110615 | XXX | C A | Closed | FCRE1440 | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-XXX - Housing History is Sufficient - Per XXX Guides - Less than XXX-month history (rent free) is allowed with the following restrictions:<br> o DTI may not exceed XXX%.<br> o LTV may not exceed XXX%.<br> o Any available portion of a XXX-month housing history must be paid as agreed - Due Diligence Vendor-XXX<br> Counter-Received divorce decree, CD and 1008-review is unable to locate confirmation of no obligation on XXX paid at closing. Please provide - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1) enclosed divorce decree from our file will show not responsible<br> 2)XXX was paid off with loan proceeds at closing... please see enclosed CD from closing - Buyer-XXX<br> Counter-Please provide documentation to support the borrower is not obligated. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. 1008 explains that borrower is not responsible for the XXX - Buyer-XXX <br> Open-Housing History Does Not Meet Guideline Requirements Missing XXX month XXX housing payment history - Due Diligence Vendor-XXX |  | Resolved-XXX - Housing History is Sufficient - Per XXX Guides - Less than XXX-month history (rent free) is allowed with the following restrictions:<br> o DTI may not exceed XXX%.<br> o LTV may not exceed 8XXX0%.<br> o Any available portion of a XXX-month housing history must be paid as agreed - Due Diligence Vendor-XXX | LTV is less than guideline maximum - Qualifying LTV XXX% is lower than the max allowed XXX%<br> Months Reserves exceed minimum required - Qualifying Total Reserves XXX months are higher than XXX months required |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110639 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110657 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110665 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110635 | XXX | C B A | Closed | FCRE1198 | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Investor approval - no exception form was completed/submitted, just approval given. XXX response is a canned email signature-XXX, XXX - Buyer-XXX<br> Open-Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) First time investor requires XXX months reserves. Audit assets matches lender assets reflected on Final 1003. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - qualifying FICO score XXX. Per guides, minimum score required XXX. | XXX fico<br> XXX DSCR | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110635 | XXX | C B A | Closed | FCRE0969 | XXX | XXX | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX <br> Open-Note include a Prepayment Penalty for loan closing for an LLC in the State of XXX which is not permitted. Only on a XXX can have a prepayment penalty. - Due Diligence Vendor-XXX |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - qualifying FICO score XXX. Per guides, minimum score required XXX. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | Investor Post-Close | No | XXX |
| 2025110619 | XXX | D A | Closed | FCRE5782 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 XXX Credit Report is Missing | Resolved-Received XXX Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-Borrower 1 XXX Credit Report is Missing Missing XXX Credit Report. A XXX credit report or Undisclosed Debt Monitoring (XXX) report is required no more than XXX- days prior to loan closing or any time after closing. - Due Diligence Vendor-XXX |  | Resolved-Received XXX Report. - Due Diligence Vendor-XXX | Verified employment history exceeds guidelines - The Borrower has been Self Employed for XXX years with the current Company.<br> Months Reserves exceed minimum required - The Borrower has XXX months in reserves; guideline minimum is XXX months. |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110631 | XXX | XXX C B A | Closed | FCRE3599 | XXX | XXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. To allow exposure of over XXX loans and XXX million in loans for XXX borrower. - Due Diligence Vendor-XXX<br> Open-Exception request for exposure of over XXX loans and XXX million in loans for XXX borrower. - Due Diligence Vendor-XXX |  | Waived-Originator waiver applied to non-material finding with compensating factors. To allow exposure of over XXX loans and XXX million in loans for XXX borrower. - Due Diligence Vendor-XXX | Qualifying DTI below maximum allowed - Qualifying DTI XXX%; max permitted XXX%.<br> Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required. | \*FICO XXX<br> \*Reserves: XXX (XXX months reserves)<br> \*DTI under XXX%<br> \*Residual Income: XXX<br> \* XXX years employment<br> \*XXX years home ownership<br> \* Strong borrower with lots of experience |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX | Originator Post-Close | Yes | XXX |
| 2025110621 | XXX | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110664 | XXX | C B A | Closed | FCRE1510 | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved--Legal description to mortgage provided. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing legal description - Due Diligence Vendor-XXX' |  | Resolved--Legal description to mortgage provided. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110664 | XXX | C B A | Closed | FCRE0969 | XXX | XXX | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived--Waiver applied to non-material finding as XXX not charged on XXX borrower. Loan closed as entity loan. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-prepayment in LLC not allowed with LLC. - Due Diligence Vendor-XXX |  | Waived--Waiver applied to non-material finding as XXX not charged on XXX. Loan closed as entity loan. - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months PITIA reserves; XXX months reserves required.<br> Qualifying FICO score is at least XXX points above minimum for program - Qualifying credit score XXX; minimum required XXX. |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | Investor Post-Close | No | XXX |
| 2025110633 | XXX | D A | Closed | FCOM1351 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. see attached personal guaranty - Buyer-XXX<br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-XXX |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110660 | XXX | XXX C A | Closed | FCRE1509 | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received all pages of the Note - Due Diligence Vendor-XXX<br> Open-Missing all pages of the Note. - Due Diligence Vendor-XXX |  | Resolved-Received all pages of the Note - Due Diligence Vendor-XXX | Qualifying FICO score is at least XXX points above minimum for program - Minimum FICO is XXX, qualifying score is XXX<br> Months Reserves exceed minimum required - Minimum reserves are XXX months, Borrower has XXX months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110666 | XXX | D A | Closed | FCRE0043 | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Worksheet uploaded - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Supporting Document - Buyer-XXX<br> Open-The DSCR Calculation from lender is Missing. DSCR calculation with components is required - Due Diligence Vendor-XXX |  | Resolved-DSCR Worksheet uploaded - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required |  | XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |
| 2025110666 | XXX | D A | Closed | FCRE1510 | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Uploaded certified true copy of documents sent for recording, Mortgage with Legal. - Buyer-XXX<br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description. - Due Diligence Vendor-XXX |  | Resolved-Confirmed - The legal uploaded is the legal that was recorded with the mortgage - Due Diligence Vendor-XXX | Months Reserves exceed minimum required - XXX months reserves, XXX months required<br> Qualifying FICO score is at least XXX points above minimum for program - XXX Fico, XXX required |  | XXX.pdf<br> XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | XXX | XXX | XXX | N/A | N/A | XXX |

---

## Exhibit 99.8

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.8**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025110578 | XXX |  | XXX D A |
| 2025110577 | XXX |  | XXX A |
| 2025110642 | XXX |  | XXX D A |
| 2025110643 | XXX |  | XXX C A B |
| 2025110576 | XXX | XXX | XXX D A B |
| 2025110581 | XXX |  | XXX D A |
| 2025110578 |  | XXX | XXX C A |
| 2025110580 | XXX |  | XXX C A |
| 2025110645 | XXX | XXX | XXX D A B |
| 2025110585 |  | XXX | XXX D C A |
| 2025110644 | XXX | XXX | XXX A C |
| 2025110584 | XXX |  | XXX C A |
| 2025110586 |  | XXX | XXX D A |
| 2025110591 | XXX |  | XXX D A |
| 2025110585 | XXX |  | XXX D A |
| 2025110582 | XXX |  | XXX C A |
| 2025110647 | XXX |  | XXX A |
| 2025110589 | XXX |  | XXX C A |
| 2025110649 | XXX |  | XXX C A |
| 2025110603 | XXX |  | XXX C A |
| 2025110593 | XXX |  | XXX D A B |
| 2025110594 | XXX |  | XXX D A B |
| 2025110646 | XXX |  | XXX A C |
| 2025110604 | XXX |  | XXX A |
| 2025110650 | XXX |  | XXX C A B |
| 2025110648 | XXX |  | XXX A |
| 2025110595 | XXX |  | XXX C A |
| 2025110599 | XXX |  | XXX C A |
| 2025110597 | XXX |  | XXX A C |
| 2025110601 |  | XXX | XXX D A |
| 2025110592 | XXX |  | XXX D A |
| 2025110598 | XXX |  | XXX C A |
| 2025110600 | XXX |  | XXX A |
| 2025110606 |  | XXX | XXX D A B |
| 2025110596 | XXX |  | XXX C A B |
| 2025110590 | XXX |  | XXX A |
| 2025110601 | XXX |  | XXX C A |
| 2025110655 | XXX |  | XXX C A B |
| 2025110651 | XXX |  | XXX A D |
| 2025110613 | XXX |  | XXX D A |
| 2025110616 | XXX |  | XXX A |
| 2025110607 |  | XXX | XXX C A B |
| 2025110588 | XXX |  | XXX D A |
| 2025110606 | XXX |  | XXX C A |
| 2025110611 |  | XXX | XXX C A |
| 2025110656 | XXX |  | XXX C A |
| 2025110609 | XXX |  | XXX D A |
| 2025110611 | XXX |  | XXX D A |
| 2025110658 | XXX |  | XXX D A |
| 2025110652 | XXX |  | XXX A |
| 2025110623 | XXX |  | XXX A |
| 2025110653 | XXX |  | XXX C A |
| 2025110654 | XXX |  | XXX D A B |
| 2025110625 | XXX |  | XXX D B A |
| 2025110614 | XXX |  | XXX C A |
| 2025110610 | XXX |  | XXX D A |
| 2025110617 | XXX |  | XXX C A |
| 2025110620 | XXX |  | XXX D A |
| 2025110624 | XXX |  | XXX C A |
| 2025110662 | XXX |  | XXX D A B |
| 2025110661 | XXX |  | XXX A |
| 2025110663 | XXX |  | XXX A |
| 2025110628 | XXX |  | XXX D A |
| 2025110626 | XXX |  | XXX C A |
| 2025110659 | XXX |  | XXX C A B |
| 2025110629 | XXX |  | XXX D A |
| 2025110634 | XXX |  | XXX A |
| 2025110630 | XXX |  | XXX D A |
| 2025110615 | XXX |  | XXX C A |
| 2025110639 | XXX |  | XXX A |
| 2025110657 | XXX |  | XXX A |
| 2025110665 | XXX |  | XXX A |
| 2025110635 | XXX |  | XXX C A B |
| 2025110619 | XXX |  | XXX D A |
| 2025110631 | XXX | XXX | XXX C A B |
| 2025110621 | XXX |  | XXX A |
| 2025110664 | XXX |  | XXX C A B |
| 2025110633 | XXX |  | XXX D A |
| 2025110660 | XXX | XXX | XXX C A |
| 2025110666 | XXX |  | XXX D A |

---

## Exhibit 99.9

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.9**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025110642 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | DSCR match with lender DSCR UW Memo/Asset Worksheet provided |
| 2025110643 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches lender calculation worksheet |
| 2025110581 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report |
| 2025110581 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's DSCR Calculation |
| 2025110578 |  | XXX | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | per appraisal, market rent used up to XXX% or actual rents. |
| 2025110645 | XXX | XXX | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal |
| 2025110591 | XXX |  | XXX | Term | notePage | XXX | XXX | Per Note |
| 2025110591 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025110585 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per 1008 |
| 2025110585 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025110582 | XXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Per Note |
| 2025110582 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Variance due to Lender uses lower consumer debt |
| 2025110647 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches with Lender Calculation |
| 2025110589 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal/title |
| 2025110589 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Matches Lender DTI on 1008 |
| 2025110603 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal |
| 2025110603 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Auditor used addition income the Borrowers is XXX. |
| 2025110593 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per lender DSCR worksheet. |
| 2025110594 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per lender DSCR worksheet. |
| 2025110646 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches final 1008 |
| 2025110604 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per audit & matches lender |
| 2025110650 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Exception form indicates DSCR of XXX. Audit and lender match with PITI and market rent. |
| 2025110648 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit and lender match with DSCR of XXX. PITIA and lease amounts match |
| 2025110597 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI matches 1008 |
| 2025110592 | XXX |  | XXX | Property Address | notePage | XXX | XXX | per Note |
| 2025110592 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit matches Lender calculation |
| 2025110600 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Mid score per credit report |
| 2025110606 |  | XXX | XXX | Monthly Hazard Insurance Premium | propertyInsurancePage | XXX | XXX | From XXX |
| 2025110606 |  | XXX | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lease amount/PITIA, Lender DSCR worksheet not provided |
| 2025110596 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Asset Utilization-No DTI |
| 2025110590 | XXX |  | XXX | Loan Amount | notePage | XXX | XXX | per Note |
| 2025110590 | XXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX | Per appraised value |
| 2025110590 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal & title |
| 2025110590 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per audit |
| 2025110601 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per Note |
| 2025110601 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | Per Client, Lock changed to XXX year full doc. |
| 2025110601 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Primary wage earner |
| 2025110601 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender 1008 and 1003. |
| 2025110655 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal and title. |
| 2025110651 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 2025110613 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Reviewed value is in line with the lenders 1008. |
| 2025110616 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Per 1025 market rents / Final PITI |
| 2025110588 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Primary wage earner. |
| 2025110588 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender 1008. Bank Statement Income Calculator and Final 1003 is missing. |
| 2025110656 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per title / appraisal |
| 2025110658 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025110652 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025110654 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject is XXX unit per appraisal |
| 2025110614 | XXX |  | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX | per Audit Asset depletion with DTI |
| 2025110614 | XXX |  | XXX | Originator Doc Type | employmentIncomePage | XXX | XXX | per Audit Asset depletion with DTI |
| 2025110614 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | UW excluded debt without support |
| 2025110610 | XXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | lower rep. Credit Score of all borrowers used |
| 2025110620 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender 1003 and 1008. |
| 2025110624 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Audit DSCR matches lenders DSCR per wksht |
| 2025110663 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Appraisal confirms XXX unit |
| 2025110628 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Auditor use Rents/PITIA |
| 2025110630 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | per audit DSCR calc;. lender DSCR calc worksheet not provided |
| 2025110615 | XXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's 1008 |
| 2025110665 | XXX |  | XXX | Refinance Type | the1003Page | XXX | XXX | per final CD; reflect cashout proceeds to Borrower |
| 2025110665 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025110631 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender did not include the XXX dues for XXX XXX, XXX, XXX and XXX. Unit # indicated on the XXX invoice for Unit No. |
| 2025110621 | XXX |  | XXX | Property City | notePage | XXX | XXX | Per Note |
| 2025110621 | XXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Per note |
| 2025110621 | XXX |  | XXX | Property Address | notePage | XXX | XXX | Per Note-tape address is promary residence |
| 2025110664 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | Lender used higher amount for XXX |
| 2025110633 | XXX |  | XXX | Property Address | notePage | XXX | XXX | per Note |
| 2025110633 | XXX |  | XXX | Calculated DSCR | diligenceFinalLookPage | XXX | XXX | True Data value DSCR match lender DSCR calc ws |
| 2025110666 | XXX |  | XXX | Property Type | propertyValuationPage | XXX | XXX | per appraisal report |
| 2025110586 |  | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit matches Lender's 1008 |

---

## Exhibit 99.10

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025110578 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible | 1 | XXX |
| 2025110577 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110642 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110643 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110576 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0129 | 1004 URAR |  |  |  |  | XXX | XXX | .0129 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110581 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110578 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110580 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110645 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110585 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025110644 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110584 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible |  |  |
| 2025110586 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025110591 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Stewart | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110585 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0598 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0598 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110582 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 3 | XXX | Not Eligible | 1.1 | XXX |
| 2025110647 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110589 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2025110649 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0413 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0413 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110603 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110593 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025110594 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1.1 | XXX |
| 2025110646 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110604 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110650 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110648 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110595 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0975 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0975 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110599 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025110597 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025110601 |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXX |
| 2025110592 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110598 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110600 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.1 | XXX |
| 2025110606 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2025110596 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |
| 2025110590 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0006 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0006 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXX | Not Eligible |  |  |
| 2025110601 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXX |
| 2025110655 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110651 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX |
| 2025110613 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXX |
| 2025110616 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110607 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110588 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXX |
| 2025110606 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXX |
| 2025110611 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1 | XXX |
| 2025110656 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110609 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110611 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible | 1.6 | XXX |
| 2025110658 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110652 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110623 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXX |
| 2025110653 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0138 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0138 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110654 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110625 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXX |
| 2025110614 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1.8 | XXX |
| 2025110610 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110617 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025110620 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXX |
| 2025110624 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110662 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110661 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX |
| 2025110663 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110628 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025110626 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025110659 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110629 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXX |
| 2025110634 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110630 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 | XXX |
| 2025110615 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110639 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110657 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110665 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0761 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0761 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110635 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110619 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXX |
| 2025110631 | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0469 | 1004 URAR |  |  |  |  | XXX | XXX | .0469 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110621 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110664 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1025 XXX Residential Income Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110633 | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX XXX Report |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025110660 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110666 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.11**

#### 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 behalf of Angel Oak Mortgage Fund EU B LLC (the "Client"). The review included a total of 576 newly originated residential mortgage loans, in connection with the securitization identified as Angel Oak Mortgage Trust 2025-11 (the "Securitization"). The Review was conducted from June 2022 through September 2025 on mortgage loans originated between May 2022 and September 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 Clients 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

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

&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 the applicable dollar amount threshold;
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 the applicable dollar amount threshold.

&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 home with a loan amount equal to or greater than the applicable
dollar amount threshold; 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 applicable dollar amount threshold.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

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

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

&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
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. 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;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 Clients 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 its 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, 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, Consolidated Analytics will alert Clients.

&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 Clients.

&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. Additional valuation products were not required when the CU score provided was 2.5 or below or
the 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 score was not eligible for R&W 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 R&W 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 (576 loans in total):

Four hundred twenty (420) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Fifty-two (52) loans had an AVM, sixteen (16) loan had Secondary Appraisals, and one hundred thirty-six (136) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. There were four (4) instances of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 576 mortgage loans reviewed, three hundred sixty-six (366) unique mortgage loans (63.54% by loan count) had a total of one thousand fifty-five (1055) 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 <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;278 | &nbsp;&nbsp;26.35% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;211 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;145 | &nbsp;&nbsp;13.74% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;70 | &nbsp;&nbsp;6.64% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;44 | &nbsp;&nbsp;4.17% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;43 | &nbsp;&nbsp;4.08% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;42 | &nbsp;&nbsp;3.98% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;38 | &nbsp;&nbsp;3.60% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;33 | &nbsp;&nbsp;3.13% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;1.80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Underwriting Exception in File? | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.85% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Gross Rent | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.57% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;Cash Out Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Mo. Tax | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.19% |
| &nbsp;&nbsp;Originator_DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Property_Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Grand Total | &nbsp;&nbsp;1055 | &nbsp;&nbsp;100.00% |

---

#### Summary of Results
**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 518 | $236812633.00 | 89.93% |
| Event Grade B | 58 | $37294635.00 | 10.07% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| Total Sample | 576 | $274107268.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 540 | 93.75% |
| Event Grade B | 36 | 6.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 576 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 278 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 278 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 278 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 282 | 94.63% |
| Event Grade B | 16 | 5.37% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| Total Sample | 298 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 565 | 98.09% |
| Event Grade B | 11 | 1.91% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 576 | 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 <br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;361 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Expired | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit Report Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 2 Credit Report is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Closing Protection Letter Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Asset General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Qualifying Credit Score does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Minimum Credit Score Requirement Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Divorce Decree | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Evidence of Property Tax Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Flood Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Grant Deed Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing explanation and supporting documentation for large deposit(s) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***605*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Payment shock exceeds guideline | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower does not meet residual income requirement | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive Cash-Out Refinance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Loan Amount Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Minimum Credit Score Requirement Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing an established escrow impound account for taxes and insurance. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Transaction is not arm's length | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Unacceptable Mortgage History | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Unresolved derogatory credit | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Loan has escrow holdback. No proof it was released provided in file | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***39*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;186 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;40 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(v) failure - The consumer's monthly payment for mortgage-related obligations not properly considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Second Home Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Late Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Texas F2 Notice for Home Equity Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OH PLA Covered Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Total of Payments Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Ohio Rev. Code Ann. §§ 1349.27 (G); 1345.031(B)(12) - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Purchase Contract does not Match Final CD | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Condo Rider is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***301*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;9 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;264 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product is Required and Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Private Road Maintenance Agreement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***311*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Condo project is ineligible | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Market Rent - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Zoning Non-compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |

---

#### 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 Clients/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. Clients 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 99.12

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 2025110050 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product is Required and Missing | Third Party Valuation Product not Provided to Support Origination Appraised Value. XXX is required per G/L if there is no acceptable XXX (Document Uploaded. Uploaded correct CCA.; Document Uploaded. I have uploaded a revised appraisal for this loan. The orig appraisal was completed as a XXX unit property. We have updated it to a XXX with XXX XXX as this is how the county has it zoned/coded. I am also providing a XXX which supports the value. Providing updated 1008 and XXX with updated LTV. XXX ; The XXX provided was completed on the original report as a XXX. Please provide a XXX completed on the new report for review. Thank you. XXX Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - .<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A D A A A D A A A D A D A D A D A D A D A D A D A D A D A A A A A A A A A A A A A A A A A A A A A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110050 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - .<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110050 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational only. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - .<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110050 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational only. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - .<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary and Exception Approval that is a required part of the approval package is not in the file. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110004 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Lender matrix, the max DTI allowed with an LTV >XXX% is XXX% vs. XXX% approved. | Document Uploaded. | XXX | Lender exception for DTI XXX% approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110068 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Loan has XXX . No proof it was released provided in file | Per Lender guidelines only allow XXX only if the loan to close prior to improvements being made, if this was due to inclement weather. The XXX is for an indoor bathroom remodel. The XXX does not meet the Lenders requirement. | Document Uploaded. | XXX | Lender Exception to allow XXX for indoor XXX approved by XXX on XXX. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the note date. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX (XXX) days of the note date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110005 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Lender exception for payment shock of XXX% exceeding max of XXX% approved by investor, however, XXX guides indicate max of XXX%. Please provide a revised CRSE with updated loan parameters and comp factors. | Document Uploaded. | XXX | Lender exception for payment shock of XXX% vs max of XXX% approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per XXX Bank Statement matrix dated XXX, the max DTI is XXX% when the LTV exceeds XXX%. | Document Uploaded. | XXX | Lender exception for DTI of XXX% approved by XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score of XXX exceeds minimum score of XXX | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))Using the greater of the disclosed XXX and the calculated XXX, 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. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110073 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements the XXX month housing history was not found in the file. | Can you please advise on which address? thanks | XXX | Housing History Meets Guideline Requirements | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. the XXX month housing history was not found in the file. Guidelines require a VOR/VOM. | GM. my apologies which property address are you referring to? thanks | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110081 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110553 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110553 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX , XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the Code of XXX (XXX).While the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110553 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110553 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110553 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. Per Lender XXX XXX-NSF and overdraft activity must be reviewed for acceptability. The bank statements reflect XXX overdrafts/NSF in a XXX month period. The Credit Risk Summary & Exception Approval does not reflect that the NSF/overdrafts have been reviewed and are acceptable. | Document Uploaded. | XXX | Overdraft/NSF count within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110556 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower's housing history has not been documented by either a Verification of Rent of the proof payment by cancelled check. Guidelines require a XXX payment history. | Document Uploaded. ; Hey,<br>I have had three different people send me this. Can you please advise which months are missing? Thanks ; Document Uploaded. hey. upld rental his goes back to XXX XXX tks; Document Uploaded. It's paid in two separate payments each month. For example, for XXX XXX, borrower paid $XXX on XXX and paid $XXX on XXX/XXX. It's all of the payments to XXX.XXX.; Document Uploaded. It's paid in XXX separate payments each month. For example, for XXX XXX, borrower paid $XXX on XXX/XXX and paid $XXX on XXX/XXX. It's all of the payments to XXX. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Bank transaction history that was provided covers XXX thru XXX (XXX months). We are missing verification of the XXX thru XXX payments. ; Payment history provided only covers XXX months. Please provide XXX months history. ; Thank you for providing the statement. The history provided is not a full XXX months (XXX months), nor can we determine what the Borrower was contractually obligated to pay per month. Please provide a full XXX month housing history as required per the matrix and documentation to clarify the amount the Borrower was required to pay. Thank you.; The documentation provided is not a full XXX month history nor can it be matched to their current residence (unable to confirm monthly rent required to be paid). Please provide a full XXX month rental payment history and documentation to verify the Borrower's contractual rental payment since payments provided appear to fluctuate. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110556 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. The issue is that the $XXX realtor credit was removed from the Details of Transaction for some reason. Encompass now reflects $XXX cash to close, which is not correct. After adding the $XXX realtor credit, it would bring the cash to close in Encompass down to $XXX. Per the final CD, the borrower brought $XXX cash to close. The amount we need for reserves is $XXX, so in total we need $XXX (XXX + XXX = XXX) for closing and reserves. Verified assets are $XXX, which is sufficient to cover the cash to close and reserves.; Can you please send me your calculations | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX.; The initial calculation was inaccurate. Based on the final 1003, the only account used to qualify was XXX and that balance was XXX as of XXX. Although the assets were sufficient to cover funds to close in the amount of XXX, the Borrowers do not have any reserves. As a result, the borrowers are missing the required reserves of XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110556 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110556 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | 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. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided (pg XXX) 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. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110551 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower XXX Citizen Identification Document Missing | Non XXX Citizen Borrower is missing Identification Document. The borrower is a XXX. The file contains a Individual Taxpayer Identification Number assigned XXX with a middle number of XXX. Per XXX research the assigned numbers between XXX have expired. Provide proof of the borrower's legal residency in the XXX. |  |  | Verification of XXX to determine if expired not required per XXX. Condition rescinded per XXX. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110551 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110551 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX required: A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Appraisal fee increased per the coc issued XXX; however, per the Appraisal invoice issued XXX the borrower paid the full amount of $XXX on XXX. | Document Uploaded. ; Document Uploaded. i will this suffice for the refund to Bwr? | XXX | Cure package provided to borrower; exception downgraded to a 2/B; XXX provided was not sufficient. The appraisal receipt was dated XXX but the increase wasnt disclosed until the initial CD dated XXX | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Evidence of Property Tax Missing | The property is new construction. The county valuation is in file, however the tax bill still represents the billing for vacant land. The lender estimated the monthly tax amount but the file does not contain the basis of that estimate. The figure cannot be verified. | Document Uploaded. | XXX | Property tax calculation from XXX in file on pages XXX and XXX. Condition rescinded. | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Missing Private Road Maintenance Agreement | File indicates that a private road maintenance agreement is required. The document is not found in the file. | Document Uploaded. | XXX | XXX in file on page XXX. Recorded copy provided post review. Condition rescinded. | XXX | C B A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110018 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Per the Disclosure tracker, the initial CD issued XXX was sent to the borrower but is missing from the loan file.  | Document Uploaded. | XXX | initial CD provided; Exception resolved; initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110142 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements | Document Uploaded. | XXX | XXX #XXX (not #XXX as reflected in finding, XXX is the payment) is in the name of the non-signing spouse per statement in file on page on page XXX. Lender included the P/I in the DTI conservatively. Payment history not required. Condition rescinded.; Housing History Does Not Meet Guideline Requirements The file is missing the housing history for the primary residence. The lien is with XXX acct ending #XXX. Provide proof of XXX history max XXX. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110142 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The file is missing the housing history for the primary residence. The lien is with XXX acct ending #XXX. Provide proof of residential pay history max XXX. | Document Uploaded. | XXX | XXX (not #XXX as reflected in finding, XXX is the payment) is in the name of the non-signing spouse per statement in file on page on page XXX. Lender included the P/I in the DTI conservatively. Payment history not required. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110142 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110142 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Cure Provide a signed copy of the eSigned disclosure. | Document Uploaded. eConsent provided. | XXX | Evidence of XXX is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing proof that the monthly payment of $XXX includes PITI. The XXX is documented. Provide proof of the monthly payment and that it it includes Principal, Interest, taxes and insurance. | Document Uploaded. Uploaded the CD for the new XXX mtg for this property. Pg 1 of CD shows the PITI is $XXX and also shows HOA dues of $XXX/mo so total PITIA = $XXX. Uploaded pg XXX of appraisal too confirming $XXX HOA.; Please advise which property this is in reference to. | XXX | PITI documentation for XXX provided and matches the amount used to qualify on the final 1003. Condition cleared.; ; Property address is XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110173 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The Electronic Consent disclosure is missing. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110177 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110182 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110182 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110182 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verifications of Employment. | Document Uploaded. ; Document Uploaded. | XXX | XXX: Current Employment Was Verified; We apologize for the confusion. There are XXX businesses that needed reverification, XXX (just received) and XXX. Please provided reverification of XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX. The Lender requires a Purchase Contract Addendum extending the contract to XXX. Provide a Purchase Contract Addendum extending the contract date through XXX. | Document Uploaded. | XXX |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110097 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. There's no evidence of the CD issued XXX (per Disclosure Tracker) issued to the borrower in the loan file. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110118 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110154 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))Using the greater of the disclosed XXX and the calculated XXX, 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. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110154 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110154 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110204 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110204 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110204 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Note is Incomplete | The Note is Incomplete The payment schedule on the note shows XXX payments at $XXX and the same amount thereafter, when the loan becomes fully amortizing. The two amounts should not be the same. | Document Uploaded. Uploaded corrected signed Note. | XXX | The Note is Present; Corrected Note reflecting XXX and fully amortized payment received. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110010 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110157 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE for Borrower XXX. | Document Uploaded. ; Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Borrower name on XXX provided reflects B1 as the employee and reflects B1 as the XXX. Please provide a XXX dated within XXX days of closing for B2. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110157 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110157 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110161 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The subject loan was approved as a XXX month Business Bank Statements loan; however, the loan file does not contain the bank statements. | Document Uploaded. Uploaded the XXX XXX business bank stmt.; Document Uploaded. Uploaded Bk Stmt worksheet.; Document Uploaded. bank statements provided. | XXX | Borrower 1 XXX Bank Statements Provided; XXX months bank statements and income calculation worksheet received. Documentation provided matches income used to qualify. Condition cleared.; Missing XXX statement for XXX used for income. Please provide the December statement to complete the full XXX months used for qualification. Thank you.; We apologize for the confusion, however, it appears we are also missing the Quick Calc/Income Worksheet. Please provide the income worksheet so that we can confirm the statements attached were the documents used for qualification. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Lender Income Calculation Worksheet | Please provide the Lender Income Worksheet/Quick Calc. | Uploaded to other finding. | XXX | Income/Quick Calc worksheet provided. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))Using the greater of the disclosed XXX and the calculated XXX, 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. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110223 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110106 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | No evidence of required debt payoff | The Underwriting Approval requires proof of $XXX XXX debt to be paid at closing and evidenced on the CD. The CD does not reflect the $XXX pay-off. Provide proof the debt was paid off prior to or at closing. | would a pccd removing the amount cure the open condition? ; Document Uploaded. | XXX | After further review, it appears the XXX debt from XXX was no longer outstanding based on the XXX tax transcripts on XXX. Condition rescinded.; Thank you for providing the explanation regarding the gift, however, this exception is regarding the payoff of a debt. The Underwriting Approval requires proof of $XXX debt to be paid at closing and evidenced on the CD. The CD does not reflect the XXX pay-off. Provide proof the debt was paid off prior to or at closing. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110106 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired prior to the loan closed on XXX. Provide a Purchase Contract Addendum extending the contract date until XXX. | Document Uploaded. | XXX | Extension to XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110106 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing a copy of the XXX cancelled check to the Borrower as required per section XXX of Lender guidelines. | Document Uploaded. | XXX | Per XXX from Lender, Donor provided cash vs. check. Donor withdrew $XXX, held onto $XXX, and gave the remaining $XXX to the Borrower. Corresponding date of deposit into Borrower's account matches Donor's withdrawal and gift letter. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110106 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The borrower's are required to document XXX months or $XXX for reserves. The file documents $XXX qualified assets for reserves. The file is $XXX short in reserves. The file contains a Gift Letter dated XXX that states "I/We have made a gift of $XXX". The XXX bank statement in file shows a $XXX were withdrawn on XXX and the borrower's bank account shows a $XXX deposit on XXX. Provide proof of sufficient funds for reserves and provide a corrected and signed Final 1003 that reflects the Gift Funds have been deposited to the XXX account. |  |  | CD reflected funds TO the Borrower vs. funds FROM the Borrower. Data entry corrected. Condition Rescinded.; The required number of months reserves are to be seasoned does meet Guideline requirement.; | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110106 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The borrower's are required to document XXX months or $XXX for reserves. The file documents $XXX qualified assets for reserves. The file is $XXX short in reserves. The file contains a Gift Letter dated XXX that states "I/We have made a gift of $XXX". The XXX bank statement in file shows a $XXX were withdrawn on XXX and the XXX bank account shows a $XXX deposit on XXX. Provide proof of sufficient funds for reserves and provide a corrected and signed Final 1003 that reflects the Gift Funds have been deposited to the XXX account. |  |  | CD reflected funds TO the Borrower vs. funds FROM the Borrower. Data entry corrected. Condition Rescinded. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110106 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110256 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of PITIA for REO located at XXX XXX XXX XXX and Needing proof mortgage with XXX XXX is escrowed or need proof of XXX and ins | Document Uploaded. ; Document Uploaded. | XXX | Updated 1003 reflects properties listed on XXX and XXX of original 1003 were consolidated onto property XXX. It appears the properties located on XXX blanket mortgages. Condition resolved.; Thank you for providing the tax bill and HOI. We apologize for the confusion, due to the overlapping nature of the property addresses on the 1003 it appears some of the tax bills/HOI documents may encompass more than XXX property. The XXX provided from XXX appears to be for XXX property XXX listed on the 1003. However, we still need documentation to support the mortgage payment of XXX with XXX secured by XXX property listed as XXX includes XXX for taxes and insurance as reflected on the final 1003. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110256 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110256 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110198 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110557 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110557 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110557 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110233 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract expired XXX.The Lender requires a Purchase Contract Addendum extending the closing date to XXX. Provide a Purchase Contract Addendum extending the closing date to XXX. | Document Uploaded. | XXX | Addendum extending closing date received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110138 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing re-verification of Borrower's business, XXX., dated within XXX days of XXX Note date. | Document Uploaded. | XXX | Income and Employment Meet Guidelines | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Document Uploaded. Hi, this REO is owned Free/Clear therefore NO XXX is req'd |  |  | Documentation for XXX property located on XXX place provided confirming current taxes. Condition cleared.; Missing current taxes (property report in file verified XXX taxes, need XXX), XXX, and XXX (if applicable) for XXX property located at XXX Place. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110123 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110175 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110163 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110560 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to the addition of the Appraisal Re-inspection fee on CD XXX. | Document Uploaded. | XXX | Valid XXX provided; exception resolved; Valid XXX provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110560 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110560 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110217 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110217 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110217 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Lender guidelines require XXX months reserves or $XXX. The file documented $XXX in available assets. The borrower was required to bring $XXX to closing which left $XXX for reserves. The file is $XXX short in reserves. | Uploaded to other finding. We have XXX months reserves. | XXX | The required number of months reserves are to be seasoned does meet Guideline requirement. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Lender guidelines require XXX months reserves or $XXX. The file documented $XXX in available assets. The borrower was required to bring $XXX to closing which left $XXX for reserves. The file is $XXX short in reserves. | Document Uploaded. I have uploaded the most recent bank stmts for both accounts, updated 1008/1003, and CRSE showing we have XXX months reserves. | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110146 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Notice to the Home Loan Applicant is missing --- Cure - Provide a copy of said notice | Document Uploaded. XXX provided. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110174 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110164 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. The calculated Payment Shock for this Asset Qualifier loan is XXX%. Per Lender Guidelines the maximum Payment Shock is XXX%. CRSE approved exception to guidelines. Exception Type: Payment Shock. Guidelines-Occupancy: Primary, Maximum Payment Shock: XXX%-XXX. Actual Payment Shock: XXX%. Rational .XXX over. Granted By/XXX XXX on XXX. XXX Level Approval by XXX on XXX. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110137 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Provide proof the insurance was effective on XXX. The loan closed and funded on XXX and the insurance effective date reflects XXX. | Document Uploaded. | XXX | Attestation received. Finding resolved. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test.<br> (XXX)The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX XXX section of the full ComplianceAnalyzer report.While the XXX XXX provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and XXX may prefer not to fund or buy rate spread home loans even if the additional conditions are met. REquriements met. | Hi, if the requirements are meet, this condition should cleared? | XXX |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110207 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110125 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110125 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110125 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110218 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110209 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Guidelines require no collection in the last XXX months. CRSE approved Exception in file. Exception Type: Credit-Judgments/Collections/Tax Liens, Guideline-No collections in past XXX mo, Actual - Collection XXX, Rationale-Borrower has $XXX XXX collection requested an LOX and proof paid. Granted bu XXX on XXX. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% B A | A | A B | A B | A B | A B | A B | A B | A B | A B | A B | A B | A |
| 2025110114 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110114 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110114 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110020 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110159 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110159 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110159 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110149 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A.  |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110149 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110149 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Document Uploaded. |  |  | Monthly HOA dues for XXX, XXX provided.; Missing XXX, if applicable, for XXX, XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX is Missing | XXX is Missing | Document Uploaded. | XXX | XXX provided. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX is Missing | Second Home Rider is Missing | Document Uploaded. | XXX | XXX provided. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Condo Approval Missing | XXX Approval Missing. XXX approval is Missing. | Document Uploaded. | XXX | XXX in file on page XXX. Condition rescinded. | XXX | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Non QM Loan | Pls upload the Compliance Worksheet so that we can forward to our Compliance Dept and what is the Total Refund? | XXX | Loan originated as XXX - exception resolved | XXX | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110187 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110547 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110547 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110547 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Regulation § 1026.43(c)(2)(v) failure - The consumer's monthly payment for mortgage-related obligations not properly considered | Regulation § 1026.43(c)(2)(v) failure - The consumer's monthly payment for mortgage related obligations was not properly considered. 1008 from lender shows $XXX form subject property co-mtg but missing documentation | Document Uploaded. I reprinted a 1008 from our system and it has come over in a different format. None of the figures changed though. "All other monthly payments" of $XXX includes B1 debts $XXX, B2 debts $XXX, and B2 departure REO $XXX. The total debts are $XXX which matches the orig 1008 in the file. The $XXX equals B1's debts + departure XXX. | XXX | The consumer's monthly payment for mortgage related obligations is properly considered. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110153 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110003 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Document Uploaded. I have uploaded the mortgage statements. XXX are included for both. |  |  | Mortgage statements for XXX provided confirm XXX. Condition cleared.; Missing verification of taxes and insurance for the Borrower's primary residence located at XXX and the XXX located at XXX. The Lender qualified the Borrower using the payment amount for both properties, as reflected on the credit report. However, the loan file did not contain copies of current statements confirming taxes and insurance were included. Please provide current mortgage statements for both properties, or evidence that taxes and insurance were included in the qualifying amounts used. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110003 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110003 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per Lender's guideline's; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason, the invoice dated XXX reflects the borrower paid the full balance. | Document Uploaded. Cure docs uploaded. | XXX | Cure package provided to the borrower; Exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110015 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110130 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing months XXX-XXX and XXX-XXX of XXX from account #XXX used to qualify. Please provide the statements used to calculate income as reflected on the income calculation worksheet for review. Thank you. | Document Uploaded. Uploaded the XXX months of personal bank stmts used to qualify. | XXX | Income and Employment Meet Guidelines | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided within XXX% Tolerance | Document Uploaded. Uploaded XXX | XXX | XXX in file on page XXX reflects Score of XXX. XXX not required. Condition rescinded. | XXX | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX required: A refund in the amount of $XXX, cure package: PCCD with XXX, copy of refund and proof of delivery or initial CD. The Discount points were added to the CD issued XXX; however, due to initial CD timing, the XXX for the addition of Discount points is not acceptable. | I uploaded the initial CD to the other finding. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of the CD issued XXX (per disclosure summary) in the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded the initial CD. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110022 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110156 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110237 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Property | Condo project is ineligible | Non-Warrantable XXX are not eligible for XXX financing. | Document Uploaded. CRSE provided to waive condition. | XXX | Lender exception for XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110237 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110237 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110121 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110121 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110121 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003, Section XXX: Financial Information-Real Estates reflects the borrower owns XXX and it is an Investment property. Section XXX: Borrower Information, XXX. Personal Information reflects the borrower's current address is XXX XXX. The file documents on the license that the borrower's street address is XXX. HOA, Taxes and Insurance for the rental reflect the address is XXX Provide a corrected and signed Final 1003 that has the correct street number for the investment property. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110088 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an XXX and it meets the XXX and Appraisal Requirements. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110194 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110194 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110194 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110023 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110101 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | 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 of reserves. Please provide documentation showing borrower has XXX months of reserves post closing. | Hey. we only require XXX mths. thanks | XXX | XXX only requires XXX months reserves on LTV <= XXX% LTV. Borrower has XXX months. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110101 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110101 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110213 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110234 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee. The XXX dated XXX wasn't acceptable since it didn't provide any information on why the appraisal fee increased. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX; The Appraisal fee increased on the initial CD dated XXX, however the appraisal invoice in file shows the date ordered was XXX and the date of the invoice is XXX with a payment made by the borrower on XXX. The increase was not disclosed timely and a cure is required | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(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 XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. This loan failed the initial closing disclosure delivery date test. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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(XXX) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Refund in the amount of $XXX; cure package requires a XXX, XXX, and Copy of Refund Check, or Valid XXX. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the recording fee. The XXX wasn't accepted because the Initial Closing Disclosure dated a minimum of XXX days prior to closing is missing. The XXX can be reevaluated once the initial CD is provided. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110232 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Flood Insurance Effective Date is after the Disbursement Date | Flood Insurance Effective Date of XXX is after the Disbursement Date of XXX Provide evidence the flood insurance was effective at closing. | Document Uploaded. | XXX | Flood Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Flood Insurance Effective Date Is Not Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Provide evidence the hazard insurance was effective at closing. | Document Uploaded. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The initial loan application shows the borrower rents for $XXX/month. The final loan application is marked no primary housing expense. A letter from the borrower states she has been living at XXX . for the last XXX months with no ownership in the property. XXX requires XXX month housing pay-history or rent free confirmation. Provide a letter from the borrower to confirm the housing payment. A XXX is required to verify rent. | Document Uploaded. The bwer relinquished all rights AFTER her divorce which is the XXX months of rent free that we have the exception on. Fraud report shows she owned with spouse since XXX.<br>Loan was done as rent free because of this. XXX shows she was on the mtg in XXX with spouse at the time.<br>; the letter in file states no ownership | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present.; Borrower's XXX was responsible for paying the mortgage on the prior residence (see divorce decree on page XXX). XXX also indicates XXX was leased and paid by XXX through XXX. Loan closed as rent free and allowed per guidelines. Condition resolved.; Guidelines require a XXX month housing payment history. Although the Borrower has been living rent free at XXX for XXX year, the prior residence located at The XXX was owned and XXX records reflected a lien on that property yet no mortgage is reporting on credit. Please provide the housing payment history for the prior residence to complete a full XXX months. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide evidence the XXX Credit score disclosure was sent within XXX days of application date XXX. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110216 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110122 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110122 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110122 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX required: A refund in the amount of $XXX, cure package: XXX with XXX, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX without a valid reason. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C B A | C B A | C B A | C B A | C B A | B A | B A | B A | B A | B |
| 2025110131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C B A | C B A | C B A | C B A | C B A | B A | B A | B A | B A | B |
| 2025110131 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash Out Does Not Meet Guideline Requirements Guidelines require a credit score of XXX+ for cash out greater than $XXX. CRSE in the file cites this exception and approval is granted. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C B A | C B A | C B A | C B A | C B A | B A | B A | B A | B A | B |
| 2025110226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110226 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | Purchase contract addendum has extended closing date of XXX. Loan note date is XXX and closing date was XXX with no addendum extending closing date | Document Uploaded. Uploaded amendment. | XXX | Addendum extending closing date to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110214 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The commitment is for $XXX. XXX must be reviewed to determine adequacy of coverage. | Document Uploaded. Uploaded title. | XXX | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110117 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | XXX Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due the increase in the appraisal fee that was not disclosed timely. The appraisal invoice shows the borrower paid amounts on XXX/XXX and XXX/XXX but the increase was not disclosed until XXX 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). | The initial CD I just uploaded to the other finding that you were missing shows a lender credit for $XXX added on for this tolerance cure. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued on XXX is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial Cd provided; Exception resolved; Initial Cd provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110009 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110140 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110134 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income/Employment General | File is missing the Business Questionnaire as required by XXX guidelines. | Document Uploaded. Uploaded questionnaire. | XXX | Bank Statement XXX received. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110134 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110134 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX. §§ XXX - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | XXX - Tangible Net Benefit Disclosure or worksheet is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. | Document Uploaded. | XXX | XXX Net Benefit Disclosure or worksheet was provided prior to or at consummation. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). The brokers credit report dated XXX is greater than XXX days from the closing date. A credit comparison report found in file shows an additional credit report dated XXX being compared. This credit report is not in file. | Document Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of XXX% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXX percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. Related exception addressed |  |  | Undiscounted rate provided; Exception resolved; Undiscounted rate provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a XXX loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 1XXX; orThe loan is a XXX loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by XXX; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by XXX; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the XXX. Department of Housing and XXX or, if permitted by the XXX, by a XXX.(ii) Timing of counseling. The counseling required under this paragraph (a)(XXX) must occur after:(A) The consumer receives either the disclosure required by section XXX(c) of the XXX (XXX) or the disclosures required by §XXX; or(B) The consumer receives the disclosures required by §XXX, for transactions in which neither of the disclosures listed in (A) are provided. Related exception addressed |  |  | Undiscounted rate provided; Exception resolved; Undiscounted rate provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX XXX Covered Loan Points and Fees Threshold Test | This loan failed the covered loan points and fees threshold test due to one of the following findings: (XXX)If the total loan amount is $XXX or more, the total points and fees payable by the consumer at or before loan closing exceed XXX% of the total loan amount; orIf the total loan amount is less than $XXX, the total points and fees payable by the consumer at or before loan closing exceed XXX% of the total loan amount. Please provide undiscounted rate to be use in Fee testing. Fees included in testing: $XXX discount points $XXX Mortgage broker fee $XXX Underwriting fee. Cure amount required $XXX | Document Uploaded. | XXX | Undiscounted rate provided; Exception resolved; Undiscounted rate provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed XXX and the calculated XXX, 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 XXX, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX compliant- Appraisal requirement met |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds the lesser of XXX percent of the total loan amount of $XXX or $XXX. Please provide undiscounted rate to be use in Fee testing. Fees included in testing: $XXX discount points $XXX Mortgage broker fee $XXX Underwriting fee. Cure amount required $XXX | Document Uploaded. plz advise if the upld with clear all high cost loan conditions. thanks | XXX | Undiscounted rate provided; Exception resolved; Undiscounted rate provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by XXX at least XXX business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. Related exception addressed |  |  | Undiscounted rate provided; Exception resolved; Undiscounted rate provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110069 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110098 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Missing proof of sufficient hazard insurance coverage | Document Uploaded. ; Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; ; The XXX was short coverage at closing and has since been increased to required coverage on XXX ; Thank you for providing the XXX, however, this policy with sufficient coverage did not go into effect until XXX which was after the note date of XXX. Please provide an XXX that was in effect at time of closing that had sufficient coverage. Thank you.; The XXX provided shows the front and rear XXX replacement at XXX yet the policy in file shows combined coverage of only $XXX. Per guidelines coverage must be the lesser of XXX% of the insured value or the unpaid principal balance as long as the XXX is at least XXX% of the insured value which would be $XXX. Please provide updated XXX coverage that supports a minimum of XXX (XXX% of the XXX). | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110098 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110098 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110124 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110124 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110124 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The Lender requires XXX months or $XXX in reserves. The file documented $XXX available funds for closing and reserves. The borrower used $XXX for closing, leaving remaining funds for reserves $XXX. The Final 1003 reflects additional $XXX Gift Funds that had not been deposited and are not reflected as received by the XXX per CD. The borrower is $XXX short in reserves. | Uploaded docs to other reserve finding. | XXX | Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. The Lender requires XXX months or $XXX in reserves. The file documented $XXX available funds for closing and reserves. The borrower used $XXX for closing, leaving remaining funds for reserves $XXX. The Final 1003 reflects additional $XXX Gift Funds that had not been deposited and are not reflected as received by the title company per CD. The borrower is $XXX short in reserves. | Document Uploaded. I have uploaded the most recent stmt for all accounts and also the add'l missing bank stmt for XXX #XXX showing a $XXX deposit. This was a check from the borr's spouse. Not considered a gift since it's his spouse and the XXX showing withdrawal/source has been provided. Uploaded updated 1008/1003/CRSE with assets updated. Borr has XXX months reserves. | XXX | The required number of months reserves are to be seasoned does meet Guideline requirement. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXXVOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110250 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110184 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110184 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110184 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110179 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110179 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110179 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. XXX (Regulation Z)<br> XXX | Document Uploaded. Re-uploaded - signed by all parties.; Document Uploaded. Uploaded XXX amendment. | XXX | The sales price on the Purchase Contract and Final CD match. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110330 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110151 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110151 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110221 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110221 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110221 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110272 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX days of the closing. The file is missing the required Verbal Verification of Employment. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110188 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110306 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110241 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The most recent XXX for Borrower is dated XXX and the loan closed on XXX. Please provide a 3rd party XXX dated within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110241 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110241 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110170 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% 1003 indicates that XXX is the primary address, XXX is a XXX home. LOX from the borrower says that they still live in XXX. No rental offset provided for either address, nor is the income documented for the XXX property.<br>| Document Uploaded. Please see LOX for changes made. DTI is just over XXX% and there is a CRSE for the exception. Let me know if you have any questions! | XXX | Lender Exception for DTI of XXX% approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110170 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110170 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110181 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110181 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing source of large deposit of $XXX on XXX into XXX ending in XXX. | Document Uploaded. Uploaded the source of the deposit. Payment is written to a business therefore I've also uploaded XXX showing borr's name listed and also the XXX showing the borrowers are the owners. | XXX | Source of large deposit provided. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The DTI exceeds the Guideline DTI of XXX% due to the lender not adding XXX% per Lender Guideline XXX, many of the co-borrower's outstanding Student loan payments and the XXX payment was not added. | Document Uploaded. I added a line item in liabilities for the XXX% of student loan balances (add'l $XXX/XXX in payments) and then also XXX Loan pmt for $XXX/mo since there are less than XXX pmts left. DTI is just under XXX%. | XXX | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110199 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110291 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Divorce Decree | Missing copy of divorce decree, formal separation agreement, court order or any other written legal agreement to document amounts owed and the remaining terms of the payments. | Document Uploaded. Pls not the Child is XXX yrs old and Bwr is paying until the Child is XXX yrs of age per Child Support Agreement | XXX | XXX order received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110109 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Purchase contract expiration date is XXXand loan closed XXX with no addendum extending closing date. | Document Uploaded. Per email attached from XXX they don't req Extensions | XXX | Settlement Agent does require an amendment extending the closing dated. Condition cleared.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110066 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110147 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE within XXX days Prior to Close Missing | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110147 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing Borrower XXX CPA Letter Missing | Document Uploaded. No CPA Letter is Req'd, as I have attached the Operating Agreement | XXX | Operating Agreement in file on page XXX confirms Borrower as XXX/XXX% owner. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110147 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the higher-priced mortgage loan test. (XXX)Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender Guideline requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing or any point post-closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110289 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110366 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing or any point post-closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110273 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. | Hey. Can you please send me your calculations | XXX | Residual income does not apply on XXX. Condition rescinded. | XXX | C B A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | Non-warrantable XXX are ineligible for consideration under the XXX guidelines. | Document Uploaded. | XXX | Lender exception to allow XXX on XXX approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide evidence the Credit Score Disclosure (XXX) was sent to the borrower within XXX business days of application XXX | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110280 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. | Not required as there is no income on asset qualifier loans. | XXX | No income on XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110252 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110558 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110558 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110558 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110245 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing The final, signed application is not in the file. Provide a copy of the signed Final 1003. | Pls review the Closing package I uploaded where you cleared the XXX. The 1003 is on page XXX-XXX | XXX | The Final 1003 is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110245 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: The Right to Cancel disclosure is missing; Loan is a cash out refinance. Please provide the XXX. | Document Uploaded. This should clear both open conditions | XXX | Right of Rescission is Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110245 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110248 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires a residential pay history XXX. The file is missing proof of the XXX XXX and XXX & XXX XXX payments for the subject property. Based on the provided pay history the borrower does not meet the residential pay history of XXX. Provide proof of the XXX XXX and XXX & XXX XXX payments. | Document Uploaded. | XXX | Housing History Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025110248 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Invalid-the file contains an XXX that supports the value with a confidence score of XXX%, XXX XXX. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025110248 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing or any point post-closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 2025110257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established escrows and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110257 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational Only |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX score is XXX and the property is Not Eligible for R&W Relief. The file is missing the Third Party Valuation Product that support the subject value within the allowed tolerance. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110338 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110145 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110145 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing XXX for XXX. | Document Uploaded. Uploaded stmt - HOA dues are $XXX/month. Address is in upper right corner. | XXX | XXX dues for XXX XXX provided. Condition resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Asset qualifier loan. | Borr meets residual income for an Asset Qualifier loan. Total assets / XXX months minus all monthly debts minus new subject PITIA = $XXX = $XXX minus debts $XXX minus PITIA $XXX. Minimum required is $XXX. | XXX | XXX-no income entered into system. Invalid XXX income exception. Borrower meets guidelines. Exception rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing | It does not appear a CPA letter is required. This is an Asset Qualifier loan - qualified on borr's personal assets. No business funds used. No income. | XXX | XXX. CPA letter not required. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110162 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX provided by XXX with a score of XXX. Secondary valuation was not provided. | Document Uploaded. CDA provided - supports value | XXX | Third party valuation product provided within tolerance. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| 2025110238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing addendum to contract reflecting seller credit in the amount of $XXX as reflected on Final Closing Disclosure. Purchase contract reflects $XXX. Missing XXX/Homeowners Association addendum as reflected on Purchase Contract. |  |  | Purchase Contract Doc is complete.; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| 2025110238 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | XXX Approval Missing | Condo Approval Missing. XXX approval is Missing. | Property type is non-warrantable XXX, XXX approval was not obtained due to that. | XXX | XXX in file on page XXX. Condition rescinded.; Material Finding | XXX | C A B | A | A C B | A C B | A C B | A C B | A C B | A | A | A | A | A | A |
| 2025110200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX loan with established XXX and met appraisal requirements. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110200 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110113 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Refund in the amount of $XXX; cure package requires a XXX, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee. The XXX dated XXX doesn't give any information why the fee increased. | Document Uploaded. ; it stated the appraisal fee was updated which would indicate increase | XXX | Cure package provided to the borrower; exception dowgraded to a XXX; stating a fee change is not a valid XXX. Per XXX guidance: to comply with the XXX requirements and rebaseline fee amounts, XXX will look to the XXX documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The XXX documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented XXX and only fees related to the specific XXX are considered for rebaseline); and 4) the date of the c hanged circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110113 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide evidence the Credit Score Disclosure (XXX) as sent to the borrower within XXX days of application XXX. | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110113 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110113 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110144 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing or any point post-closing. The most recent Verbal Verification of Employment in the file is dated XXX. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110144 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment for the borrower from each source of employment income to be completed within XXX (XXX) days of the closing or any point post-closing. The most recent Verbal Verification of Employment in the file is dated XXX. The file is missing the required Verbal Verification of Employment for each source of employment income. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing for each source of employment income.. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Thank you for providing the XXX for the Borrower's employment with XXX XXX of XXX, however, we still need the reverification of the Borrower's business with XXX. Thank you.; Missing reverification of XXX employment with XXX of XXX and business XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110144 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110144 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110255 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing XXX within XXX days of the Note date for the borrower. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110255 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110255 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Lender requires a residential pay history of XXX. The file documents XXX months of rent payments. The XXX month pay history does not meet the Lenders XXX month requirement. Provide proof of XXX months rental payment history. | Document Uploaded. ; Document Uploaded. Pls go thru all the Payments some may appear to be duplicates but Bwr paid. Part was the security deposit and the other part was paid early. These are both in the bundle in the file | XXX | Lender exception to allow XXX vs. XXX approved by investor on XXX.; Payment documentation reviewed. File contains evidence of XXX months rent payments: XXX months for XXX (XXX), XXX months for XXX and XXX months for XXX (XXX). Documentation provided is XXX month short of the required XXX-month payment history. Condition remains. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Letter of Explanation (Assets) | The file is missing the Gift Letter. The Final 1003 reflects $XXX in gift funds deposited to the borrower's account from Parents. The borrower's XXX account ending #XXX reflects a deposit of $XXX deposit on XXX.The file is missing the Gift Letter | Document Uploaded. | XXX | Gift Letter received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset General | The Lender requires a copy of the wire confirmation to verify $XXX wired from XXX from accts ending #XXX, #XXX & #XXX. The file is missing proof of the wired funds. | Document Uploaded. This should clear both open conditions | XXX | Documentation for XXX deposits provided, exception resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110277 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Audited Residual Income is $XXX is less than $XXX minimum required. XXX approved exception to guidelines. Exception type: Residual Income, Guideline: Minimum Residual Income: $XXX, Occupancy: Primary-XXX, Actual Income: $XXX, Rationale - Exception Granted for $XXX from Guideline. Granted by Lender on XXX. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | There is no verification of the carrying costs, (taxes and/or insurance, XXX) for the property and XXX being shown as the borrower's primary address. | Document Uploaded. | XXX | Received documentation to verify taxes, insurance, and XXX for XXX located on XXX. Condition cleared. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The final 1003 shows the subject address as the borrower's place of residence on page XXX, but he lists XXX as the primary residence on page XXX of the application. The loan is underwritten as a refinance of an investment property. The subject was shown on Schedule XXX of the XXX XXX as an investment. The final 1003 requires revision. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. | Document Uploaded. | XXX | Lender exception for expired XXX report approved by investor on XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110197 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110546 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. | Document Uploaded. ; Hey. there are XXX appraisals in file. Please clear thanks | XXX | Third party valuation product provided within tolerance.; The only appraisal products in file are the full appraisal (XXX) and the completion cert (XXX). A second appraisal from another appraiser is not present in the file as mentioned. CU score is XXX and XXX is Not Eligible. Please provide a Third Party Valuation product that supports the value. Thank you. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110546 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110546 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 Executed XXX Missing | Borrower 1 Executed XXX-XXX Missing XXX-XXX missing for the borrower. | <br> The XXX is not required on bank statement loan, only on agency loans.<br>| XXX | Guides do not indicate a XXX is required on the XXX. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110176 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110244 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing or any point post-closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing or at any point post-closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110244 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired |  | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110244 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110244 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110372 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110266 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110126 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The loan file does not contain the origination credit report. The loan file only contains the Lender's XXX-day report. Consumer Explanation Letters in file indicate there were XXX broker reports, dated XXX and XXX. Neither report is in the loan file. The final 1003 indicates the consumer debt balances and payments used for qualifying were not consistent with those on the XXX-day report. Please provide the origination credit report. | Document Uploaded. | XXX | Borrower 1 Credit Report is not partially present. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110126 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | HPML loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110126 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110212 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110212 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110212 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110127 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The most recent XXX for Borrower is dated XXX and the loan closed on XXX. Please provide a 3rd party XXX dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided. Received an updated business search conducted on XXX. Confirmed; resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110127 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX requirements met |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110127 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110235 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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). XXX Cure required, refund in the amount of $XXX with XXX, XXX, Copy of Refund Check and Proof of delivery or a valid XXX. The XXX% tolerance violation is due to the borrower chosing the lenders provider for settlement services. Fees included are; Title Certificate Fee $XXX, Title Closing Fee $XXX, XXX Doc Prep Fee $XXX. Title XXX Recording Fee $XXX, Title Lenders Title Insurance $XXX, Title Recording Service Fee $XXX and Title Search Fee $XXX. Please provide a cure package for the violation. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110235 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Loan Approval requires a Verbal Verification of Employment completed within ten (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110235 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110192 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110311 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Missing VVOE XXX days prior to close. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110311 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | Non-QM. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX | Hey. can you please send me your calculations and cost to cure?<br>Thanks, | XXX | Originated non XXX | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110311 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110311 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110389 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110148 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal VOE to be completed within XXX days of the closing. The file is missing the required Verbal VOE . Provide the required Verbal VOE . | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided. Received an updated business search conducted on XXX. Resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110148 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. The Appraiser, XXX Company and XXX were not checked against the exclusionary lists. | Document Uploaded. | XXX | Exceptions for missing XXX on the Fraud Report not required per deal guide. Exception rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110222 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"XXX" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Per the disclosure tracker in file, a CD issued XXX was missing from the loan file.  | Document Uploaded. | XXX | Initial CD received; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110025 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110271 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within ten (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing final HUD-1 from sale of non-subject property | The 1003 reflects primary residence at the time of application was Pending sale and the funds were listed as Net Sale Proceeds. Provide a copy of the XXX from sale of the primary residence at time of application. | Document Uploaded. Pls see Closing Package uploaded to other Condition, the Final 1003 has been updated to reference XXX as an XXX Prop. I also uploaded the XXX Info on XXX XXX | XXX | XXX property was not sold and full PITI included in DTI. Final 1003 was missing at time of initial review, and upon receipt it was confirmed property was retained as an XXX. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Missing | The Final 1003 is Missing The Final 1003 is Missing | Pls see Closing Package uploaded to other Condition | XXX | The Final 1003 is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The Deed of Trust is Missing | Pls see Closing Package uploaded to other Condition | XXX | The Deed of Trust is Present | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial XXX Account Disclosure is Missing from the loan file -- Required to cure. | Document Uploaded. | XXX | Initial XXX Disclosure is Resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110275 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110007 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The most recent VOE for Borrower is dated XXX and the loan closed on XXX. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110284 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Missing the 3rd Party VOE dated XXX days prior to the Note Date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110333 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110014 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110052 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Missing | Borrower XXX Credit Report is Missing Borrower XXX Credit Report is Missing | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not missing. | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110052 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110052 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Property | XXX Approval Missing | XXX Approval Missing. The Lender requires a valid project approval. XXX Approval is Missing. | Document Uploaded. | XXX | XXX in file on page XXX and is all that is required. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110297 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110569 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant; XXX compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110569 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110569 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The most recent VOE for Borrower is dated XXX and the loan closed on XXX. Please provide a 3rd party VOE dated within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110350 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110269 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110342 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110342 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110342 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The file is missing documentation for the taxes on the departure home which the borrower has retained for investment purposes. | Document Uploaded. | XXX | Property taxes reflected in Fraud Report on page XXX. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Corporate registration in file is undated. Missing CPA letter since XXX or the operating agreement are not in file. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX CPA Letter Missing | Borrower XXX CPA Letter Missing Corporate registration in file is undated. Missing CPA letter since XXX or the operating agreement are not in file. | Document Uploaded. Pls note that the XXX shows Individual, therefore no addt'l info is req'd | XXX | Borrower 1 CPA Letter Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110406 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The tax information sheet shows both City and County taxes on the subject property. The lender included only the county tax in their qualification calculations. | Document Uploaded. ; Document Uploaded. Pls see the attached LOX, as explanation of the County/City Taxes which are added... | XXX | Lender exception for DTI at XXX% approved by investor on XXX; Thank you providing clarity on the taxes for the XXX. We apologize for the confusion, unfortunately, we still have an excessive DTI. After updating the taxes, it appears the qualifying DTI of XXX% exceeds the max allowed of XXX% (per the matrix, the max DTI on LTV's >XXX% is XXX% vs. XXX% and the subject loan closed at a XXX% LTV). | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | AOMS refinanced the departure home. No information regarding that transaction is included in the file except as stated on the 1003. Proof of Payoffs of previous liens is needed as they still appear on the borrower's XXX. Additionally verification of PITIA is needed for this transaction. The final CD from the refinance would cure this issue. | Document Uploaded. ; Document Uploaded. | XXX | XXX for XXX received. Condition cleared.; Thank you for providing the CD for the refinance of the XXX. Based on the documentation provided, the new loan did not XXX for taxes and insurance. We have utilized the taxes and XXX dues from the Fraud Report and the top of the appraisal provided, however, we are still missing the XXX. Please provide verification of the monthly XXX for the property located at XXX. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110334 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110155 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Acknowledged | XXX | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The lender's XXX questionnaire was not found in the file | Document Uploaded. Uploaded CRSE for the exception.; Document Uploaded. UW followed XXX guides that states a XXX review is not required for a XXX unit XXX project. The appraisal shows it is a XXX unit XXX. | XXX | Lender exception to waive XXX/XXX Cert approved by XXX on XXX.; Section XXX of the Lender guidelines indicate all XXX transactions must have a completed XXX Cert and a valid project approval. Unfortunately, the guide does not differentiate between XXX/project type or to defer to XXX guidelines for XXX requirements when the subject is a XXX. Please provide an XXX XXX for review. Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110155 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110155 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110388 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110388 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110388 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender did not add the previous primary residence which is being held as a second home into the final liability calculation. Please update the 1008 with the liability for the property at XXX XXX Ave or provide proof of sale of the property. | Document Uploaded. I have corrected the departure residence to include the PITIA in the DTI. Uploaded 1008/1003/CRSE with updated DTI.; Document Uploaded. XXX provided | XXX | Approval/Underwriting Summary is fully present; No document attached. Original exception: Approval/Underwriting Summary Partially Provided. Lender did not add the previous XXX which is being held as a XXX into the final liability calculation. Please update the 1008 with the liability for the property at XXX or provide proof of sale of the property.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). The Credit Score Disclosure (XXX) is missing. Cure- Provide a copy of the disclosure. | Document Uploaded. XXX provided | XXX | XXX Credit Score Disclosure is provided.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110158 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. This loan failed the initial closing disclosure delivery date test. The earliest CD in the loan file was issued XXX and signed at consummation. Cure- Provide the initial CD dated XXX (Per the Disclosure Tracking Summary)as well as evidence that it was received by the consumer a minimum of XXX business days prior to consummation date of XXX. | Document Uploaded. Uploaded initial CD - signed by borr on XXX. | XXX | initial CD provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing the VOE dated XXX business days prior to the Note date. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Reserves required XXX months \* $XXX = $XXX. Missing XXX months asset statements to support the reserves requirement<br>| Cash out of $XXX being used for reserves = XXX months . | XXX | Cash out may be used to satisfy reserve requirement. Condition rescinded. | XXX | D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110324 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% PITIA for REO's XXX and XXX are not properly documented and the rental income that is documented is not supportive of the rental income used. There are no leases for any of the units in file. The payment receipts provided are inconsistent in amounts and payees. A consistent pattern of rent payments cannot be determined from the documents provided. The borrowers did submit a letter stating what the rents for XXX are, however the payment receipts do not support the amount stated in the letter. Rent rolls and/or rental agreements or leases are needed to understand the cash flows for the rental properties. | Document Uploaded. The UW was given the XXX from management to use the positive rental income. I have written up an exception - uploaded CRSE.; I have uploaded an LOX explaining the documentation provided and the rental income. The DTI is < XXX%. | XXX | Lender exception to use positive rental income to qualify vs. just as a wash approved by investor on XXX. ; Thank you for providing the documentation. After further review we still have a DTI issue of XXX%. It appears that positive rent was used to qualify, however, per guidelines positive rental income can only be used to wash the PITI. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered The Lender failed to provide supportive income documents for the REO properties and the PITIA for XXX REO's is not properly documented. Audit is unable to verify the income used. | Please review what has been provided. Thanks! | XXX | ATR: Reasonable Income or Assets Was Considered-Lender provided lease agreements, mortgage statements, and proof of receipt. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party XXX Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | PITIA for rental properties XXX and XXX have not been fully documented. XXX has no mortgage statements provided for neither XXX nor XXX, XXX is missing XXX information. | Uploaded to other finding. | XXX | Lease agreements, mortgage statements, and proof of rental income receipts provided. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing income documentation | The borrowers have XXX (XXX) rental properties. There are no leases for any of the units in file. The payment receipts provided are inconsistent in amounts and payees. A consistent pattern of rent payments cannot be determined from the documents provided. The borrowers did submit a letter stating what the rents for XXX are, however the payment receipts do not support the amount stated in the letter. Rent rolls and/or rental agreements or leases are needed to understand the cash flows for the rental properties. | Document Uploaded. I am uploaded all docs associated with this loan and the findings. I have provided an LOX explaining everything along with the mortgage documentation and lease/rental income. Please let me know if I am missing anything. | XXX |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110160 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Expired | Borrower XXX Credit Report is Expired (Greater than XXX days from the Closing Date). The loan file is missing the Broker credit report dated XXX. The file contains a Broker report dated XXX. The Comparison Report indicated there was a later dated Broker report that was not in file. Please provide the Broker credit report dated XXX. | Document Uploaded. The XXX credit report was used - dated XXX. Uploaded. | XXX | Borrower 1 Credit Report is not Expired. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file does not contain a 3rd party VOE dated within XXX days of closing. The most recent VOE for Borrower is dated XXX and the loan closed on XXX. Please provide a XXX party VOE dated within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110057 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110290 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Ineligible Property | The subject property was listed XXX and taken off the market on XXX. Per the Lender's Guideline XXX the lesser appraised value is being used. To be eligible for an either rate/term or cash-out refinance, the subject had to be taken off the market on or before the application date which was XXX. The Document Requirements are: Rate/Term Transaction, The borrower mut confirm in writing: The reason for the prior listing; and Intent to occupancy the subject property. The subject transaction is a Rate/Term Refinance of an Investment property. Investment properties are ineligible. | Uploaded CRSE to other finding. | XXX | Lender exception for borrower not occupying the subject when the property was previously listed for sale approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110290 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX The maximum loan amount for XXX per the matrix is $XXX. The file does not contain an approved exception. | Document Uploaded. Uploaded CRSE with exceptions for loan amount and property listing. | XXX | Lender exception for loan amount of XXX > max XXX approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110290 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The lender requires a fully executed CD-1 from the sale of XXX property, reflecting a payoff for XXX Mtg with net proceeds of no less than $XXX and a copy of the wire confirmation from XXX must be provided at closing. The file is missing the required documentation. Provide fully executed CD-1 from the sale of XXX property, reflecting a payoff for XXX with net proceeds of no less than $XXX and a copy of the wire confirmation from XXX. | Document Uploaded. Uploaded email from closing agent, CD from sale, and closing agent's Disbursement schedule to show the XXX of the wire for the proceeds from sale. I also noticed our reserves were too high on the 1008 and CRSE (we were double counting the proceeds). Uploaded new 1008/CRSE. | XXX | Asset Qualification Meets Guideline Requirements-CD from sale of XXX and proof of transfer of proceeds to settlement agent provided. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower XXX 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110191 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains XXX-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.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid XXX. The XXX% tolerance violation in the amount of $XXX is due to the addition or increase of the $XXX attorney fee, $XXX Lender's title insurance fee, $XXX settlement/closing fee, $XXX tax service fee, $XXX title endorsement fee, $XXX XXX guaranty fee, and $XXX title tax certification fee. XXX dated XXX does not provide reason for fee additions/increases. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements The applicable Lender guidelines do not permit collection accounts opened in the past XXX months, when the XXX is used. The Borrower's credit report reflects a XXX account opened on XXX. The file does not contain evidence a Lender Exception was granted. | Document Uploaded. Uploaded CRSE - exception added. | XXX | Lender exception for collection in last XXX months approved by investor on XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110053 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110309 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110335 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% A variance in DTI was identified due to differences in self-employment income calculations. Audit-calculated income was $XXX, compared to the lender's figure of $XXX. The discrepancy is attributed to the exclusion of a $XXX deposit dated XXX, which audit determined to be a security deposit from the lease of the subject property, not qualifying income.<br> New Primary Residence PITIA (per 1008): $XXX<br> (Final Closing Disclosure not provided)<br> Subject Property Cash Flow: –$XXX, consistent with lender's calculation<br> All Other Monthly Debts: $XXX, matching debts listed on the final 1003. <br> Total Income Used: $XXX Primary Residence PITIA $XXX +Subject Property Negative Cash Flow $-XXX +Other Monthly Debts XXX = $XXX / XXX =XXX% | Document Uploaded. I have reworked the bank statement income. Per your request, I have excluded the $XXX deposit. I have also added in XXX deposits that never should have been excluded...one in XXX and one in XXX. Also please see comments added to the 1008 uploaded regarding XXX debts which the UW excluded due to < than XXX pmts remaining - per the XXX report. All debts have been updated per the XXX report. Final DTI is XXX% and there is a CRSE uploaded for the exception. Thanks! | XXX | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender exception for DTI of XXX approved by investor on XXX. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110335 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Audit unable to locate the final CD from the borrowers purchase of the new primary residence located at XXX with a current monthly payment not to exceed $XXX. (new mortgage loan #XXX) | Document Uploaded. Uploaded CD. | XXX | CD for new primary residence received confirming PITIA. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110335 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing XXX dated within XXX days consummation | audit was unable to locate Verbal Verifications of Employment (VVOEs) for both employers listed on the 1003. The VVOE for the university is dated XXX, and the documentation verifying the borrower's self-employment with the state is dated XXX. The note date is XXX. | Document Uploaded. Uploaded XXX for XXX job and XXX for XXX job. | XXX | VVOE dated within XXX days of closing received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110335 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110335 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | Document Uploaded. | XXX | Evidence of eConsent is provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110431 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the Mtg statement for XXX showing full PITI of $XXX to include taxes and insurance. <br>| Document Uploaded. | XXX | Mortgage Statement received confirms XXX for taxes and insurance. XXX and Payment amount increased between XXX (statement) and XXX (supplement) as a result of higher property taxes (per property report). Higher payment was used to qualify. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110387 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110403 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is classified as a non-warrantable XXX. According to the XXX dated XXX, non-warrantable XXX are not permitted. | Document Uploaded. | XXX | Lender exception for XXX on XXX approved by investor on XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110403 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110403 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Credit Risk Summary & Exception Approval reflects the Loan Program is XXX Business Bank Statements. The statements are actually Personal Bank Statements. Provide a corrected Risk Summary & Exception Approval that reflects the XXX Program is XXX Personal Bank Statements. | Document Uploaded. Pls note, I am aware that you have XXX mths XXX in file, but the loan is actually a XXX mth personal XXX loan. Pls see updated Info; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Although the income worksheet states XXX months XXX bank statements and XXX months of personal statements were in file, the actual income calculation and figures used to qualify confirms XXX Months XXX Bank statements vs. XXX months. Please provide a corrected XXX, XXX, and XXX worksheet reflecting XXX Months XXX. Thank you.; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Residual income is $XXX. The Lender requires a minimum Residual income of $XXX. CRSE in the file cites this exception and approval is granted by the Investor on XXX. |  |  | Exception granted | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110364 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The credit report contains an undisclosed mortgage in the borrower's name. The borrower does not show additional property on the 1003, but does disclose joint ownership of an investment property with an unnamed individual. | Document Uploaded. ; Pls note that the Broker was in contact with the Bwr while we were on the phone and I live in the same neighborhood and there is no HOA for that Property. Per XXX doesn't show as well, thanks; Document Uploaded. ; Document Uploaded. See updated 1003 | XXX | XXX obtained by XXX. No HOA dues listed for XXX property. Condition cleared.; Document Uploaded. ; Thank you for providing the current mortgage statement. Please provide the XXX mentioned in previous rebuttal comment that confirms the XXX does not have any XXX dues. Thank you.; Please provide current mortgage statement (one provided is XXX months old) for XXX confirming the payment of $XXX includes XXX and XXX search as mentioned confirming no XXX dues. Thank you.; Please provide current documentation to verify XXX #XXX XXX (statement provided is from XXX, XXX accounts can change/be dropped in that timeframe). In addition, evidence of no XXX dues should come from either a letter from the Borrower or documentation online vs. the Loan Officer/Broker.; Thank you for providing the updated 1003 including the XXX. Please provide documentation to confirm if there are any XXX dues and that the payment of $XXX includes taxes and insurance. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified Business ownership is not properly documented, either by CPA letter or XXX | Document Uploaded. | XXX | ATR: Current Employment Was Verified | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower XXX Letter Missing The file contains neither a CPA letter nor the XXX or Operating Agreement needed to establish the borrower's percentage of ownership in the business from which the qualifying income is being derived, as is required by guidelines. | Document Uploaded. | XXX | Borrower 1 CPA Letter Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The file contains neither a CPA letter nor the XXX or Operating Agreement needed to establish the borrower's percentage of ownership in the business from which the qualifying income is being derived, as is required by guidelines. | Document Uploaded. | XXX | Income and Employment Meet Guidelines | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The final 1003 does not show any ownership in other real estate but the credit report shows an open mortgage in the borrower's name, and the borrower does disclose ownership in an investment property jointly with an unnamed party. The address is not provided. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX account XXX is joint with another party not signing on the subject loan. A letter allowing XXX% use of funds has not been provided, so only XXX% of the account balance is permissible for assets/reserves. | Document Uploaded. ; Document Uploaded. Hi if you use XXX% the Bwr still has enough for Assets/Reserves. Attached are copies of the (XXX) Wires for Gift Funds | XXX | Asset Qualification Meets Guideline Requirements; XXX account #XXX is held XXX with another XXX yet a joint access letter was not present in the loan file. All of the funds wired to closing from the Borrower came from that account. Per section XXX, joint accounts with a non-borrowing, non-spouse may be used when a letter is obtained stating the applicant has XXX% access. We are unable to determine if the XXX holder is the Borrower's spouse, therefore, please provide a joint access letter from the non-borrowing XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Account #XXX is joint with a person not associated with the subject loan. Access permission letter has not been provided so only XXX% of the balance is available. | Hi I'm sorry I'm a bit confused as the reserves is as follows: PITI ($XXX) $+ HOA ($XXX yrly = $XXX monthly) = $XXX x XXX mths = $XXX needed for reserves + cash to close = $XXX = Total funds needed is $XXX. Per the AOC XXX MIN XXX Months; ; for LTV >XXX%, pls advise; Document Uploaded. | XXX | Due to discussions with investor, reserves >XXX months < XXX months on LTV's >XXX% is a pricing hit and is adjusted by Lender internally. Condition for insufficient reserves rescinded.; Thank you for providing the gift wires. The gifts are reflected on the CD and were subtracted out of the required funds to close. The total verified assets of XXX (which is XXX% of the balances reflected in the XXX and can only be used at XXX% once a joint access letter is provided) minus the remaining funds to close on the CD of XXX leaves a balance remaining of XXX (XXX months) which is less than the minimum of $XXX (XXX months) required with an LTV >XXX%. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110362 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110029 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110029 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110029 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110353 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110285 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired XXX. The loan closed XXX. The Lender requires a fully executed extension of the Purchase Contract at/prior to closing. The Purchase Contract Extension is missing. | Document Uploaded. | XXX | Purchase addendum extending contract to XXX received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110285 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110285 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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, and proof of delivery or valid COC. The XXX-tolerance violation is due to an increase of the appraisal fee on CD dated XXX without valid COC. COC dated XXX does not provide valid reason for fee increase. | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110267 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110562 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within XXX business days of application XXX. Per Privacy Policy, page XXX, the lender has affiliates. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110562 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling Disclosure dated within XXX days of application XXX. | Document Uploaded. | XXX | XXX Disclosure Is Present or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110562 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110562 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the XXX higher-priced mortgage loan test. (XXX XXX , XXX XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110562 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110562 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110374 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110116 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110116 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110116 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110112 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110112 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110251 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110251 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110251 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% 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 XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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). 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 Lenders XXX. The COC dated XXX says title fees changed but appraised value is not a valid reason for a title fee to increase. A revised COC is required to determine if the increase is valid. | Document Uploaded. Uploaded all cure docs. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110274 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Missing an established escrow impound account for taxes and insurance. | Guidelines state XXX for property taxes and insurance may be waived when the following requirements are met:<br> • LTV is ≤ XXX%<br> CRSE in the file cites this exception and approval is granted. |  |  | Investor granted exception | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110550 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within XXX business days of application. The disclosure provided was for the seller and not the lender. | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110550 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | 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. (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. (12 CFR 1002.14(a)(1)). | Document Uploaded. | XXX | Evidence of appraisal delivery provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110550 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110550 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110564 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX. Please provide evidence of HOI coverage beginning on XXX or before. | Document Uploaded. | XXX | Hazard Insurance Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or Hazard Insurance Effective Date Is Not Provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110564 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110564 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110315 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110315 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110315 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Reasonable Income or Assets Not Considered | XXX: Reasonable Income or Assets Not Considered Borrower owns XXX investment properties. There is no documentation to support the liabilities of the income properties. Please provide all documentation relating to the investment properties expenses for review. | Document Uploaded. ; Hi, we did this loan for Bwr in XXX can I upload that Info, will it be accepted?; Document Uploaded. Pls advise if the LOX will suffice; Document Uploaded. | XXX | ATR: Reasonable Income or Assets Was Considered; ; Thank you for providing an XXX, however, we are unable to accept a XXX. Please provide a copy of the XXX for the property located at XXX. Thank you.; ATR: Reasonable Income or Assets Not Considered Thank you for providing the documentation for the Borrower's XXX. It appears we are still missing the XXX for the primary residence located at XXX (the XXX provided was for XXX). Please provide the XXX for XXX. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110337 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110365 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The final loan application reflects monthly Association/Project Dues of $XXX per month. However, the subject property is not a XXX or XXX, and the loan file does not contain verification of the monthly amount. Please provide verification of the Association/Project Dues of $XXX per month. | Document Uploaded. Uploaded 1008 and CRSE with updated DTI - removed HOA dues for subject - property is not in a XXX. | XXX | Updated 1008 and CRSE received removing incorrect payment of XXX. Condition resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110365 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. The loan file does not contain the Broker Credit Report for Borrower XXX. Please provide the Broker Credit Report for Borrower XXX. | Uploaded the XXX credit report to the other finding. | XXX | Based on credit inquiry, Broker credit was a XXX report only, therefore, XXX credit used to qualify and is in file. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110365 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. The loan file does not contain the Broker Credit Report for Borrower XXX. Please provide the Broker Credit Report for Borrower XXX. . | Document Uploaded. The broker's credit report was not used for this loan. Your file should have the XXX credit report - I have uploaded it here again in case you are missing. | XXX | Based on credit inquiry, Broker credit was a XXX report only, therefore, XXX credit used to qualify and is in file. Condition rescinded. | XXX | D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110365 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110365 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110419 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110419 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110419 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. File is missing the CRSE. Please provide the CRSE for review. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110021 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110545 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: Missing Initial CD. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. Uploaded initial CD. | XXX | Initial Cd provided; Exception resolved; Initial Cd provided; Exception resolved | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). | Document Uploaded. Uploaded credit score discl. | XXX | XXX Credit Score Disclosure is provided. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110336 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110024 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110024 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110024 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110425 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Transaction is not arm's length | According to lender guidelines dated XXX, Section 4.8 on "XXX," owners, employees, or family members of the originating lender are not eligible borrowers, as this constitutes a non-arm's length transaction, which is not permitted. In this case, the borrower is the owner of the XXX company. Please note that an additional appraisal product is required. A CU Score below XXX was obtained and provided in the loan file. | Document Uploaded. Uploaded XXX that supports value and a CRSE to include the exception. | XXX | XXX exception approved by investor on XXX. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110425 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110425 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Lender requires a Purchase Contract Addendum to be executed either at/or prior to closing if the loan closes past the contract closing date of XXX. The file contains an Addendum to Residential Purchase Agreement extending the closing date to XXX. The Loan closed on XXX and the file does not contain an Addendum to Residential Purchase Agreement extending the closing date to XXX. | Document Uploaded. Uploaded addendum. | XXX | Amendment to contract extending closing to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The lender's qualifying income of $XXX/mo does not agree with the income calculation worksheet in file. Both the reviewer and the worksheet arrived at $XXX/mo, applying a XXX% expense ratio (per the CPA) to the borrower's personal checking account deposits. The discrepancy does not impact the borrower's qualification but the documentation is not reconciled. Provide an updated Credit Risk Summary & Exception Approval that reflects the calculated income, residual income and DTI to match the qualification information in the file. | Document Uploaded. I corrected the income and uploaded 1008, 1003, CRSE reflecting. | XXX | Approval/Underwriting Summary is fully present; Material Finding | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110360 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires evidence of wire transfer at closing in the amount of $XXX from the XXX account ending #XXX. The file does not contain a copy of the wire transfer. Provide a copy of the wire transfer for the $XXX gift funds. | Document Uploaded. Uploaded confirmation of gift wire. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110313 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. CRSE in the file cites this exception and approval is granted |  |  | Exception granted | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110417 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Lender's Credit Risk Summary & Exception Approval reflects the XXX Program is XXX Business Bank Statements. The Lender's Income Worksheet reflects XXX Business Bank Statements. Provide a corrected Credit Risk Summary & Exception Approval the reflects the XXX Program. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Are you saying although this is a XXX mth XXX loan, the UW didn't calculate the income using XXX mths only XXX?; I'm sorry you have XXX mths of bank statements and the loan is a XXX mth BS Loan. That's why the Income worksheet was updated to reflect XXX mth BS Loan. Pls advise; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Upon receipt of the revised income worksheet on XXX reflecting income of XXX, it now appears that large deposits that were originally excluded are now being included in the income calculation. In order to use the revised income calculation, please provide documentation to support the following large deposits that were originally excluded: XXX on XXX; XXX on XXX; XXX on XXX. Thank you.; Replied via email requesting clarification as to how the loan was approved ; The underwriter used XXX per month to qualify (see the 1008, the 1003, the income worksheet reflecting XXX Business, and the XXX) which is the most recent XXX months of bank statements yet the program is listed as XXX XXX Bank Statements. We are requesting a corrected XXX to reflect the correct program that the UW used to qualify which appears to be XXX Months XXX Bank Statements based on the income used to qualify and the income worksheet in file on page XXX. Thank you.; The income used to qualify of XXX as reflected on the 1003, 1008, XXX and income worksheet originally in the file was based off of a XXX month average from XXX. Although there are XXX months of statements in the file, only the most recent XXX months from XXXwere used to calculate the income by the XXX Underwriter. Please provide a corrected XXX that indicates the XXX as XXX XXX Bank Statements to match how the loan was qualified. Thank you.; The loan was qualified using XXX XXX XXX (XXX) yet the XXX reflects XXX XXX . Original exception: Provide a corrected Credit Risk Summary & Exception Approval the reflects the correct XXX. Thank you.; Material Finding | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires a fully executed CD-1 from the sale of the XXX property and a copy of the wire confirmation from the XXX company. The file is missing the required fully executed CD-1 from the sale of the XXX property and a copy of the wire confirmation. Provide the required fully executed CD-1 from the sale of the XXX property and a copy of the wire confirmation. | Document Uploaded. ; Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements; Documentation provided was an income worksheet. Original exception: Asset Qualification Does Not Meet Guideline Requirements The Lender requires a fully executed XXX from the sale of the XXX property and a copy of the wire confirmation from the XXX company. The file is missing the required fully executed XXX from the sale of the XXX property and a copy of the wire confirmation. Provide the required fully executed XXX from the sale of the XXX property and a copy of the XXX confirmation. | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110392 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - <br> Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Per lender guideline XXX, Housing/Mortgage/Rental Payment History must reflect XXX in the past XXX months for XXX eligibilityXXX<br> Audit was only able to verify XXX months of housing history: Rental history: XXX months documented (XXX – pg. XXX, XXX – pg. XXX, XXX – pg. XXX, XXX – pg. XXX, XXX – pg. XXX, XXX – pg. XXX, XXX – pg. 254)<br> Mortgage history: XXX months reported on the credit report. | Document Uploaded. ; On XXX, if we have XXX mos verified we don't actually verify the full XXX mos. <br> We have XXX mos on the mortgage (see the payoff- the loan was due for the XXX payment). <br> Rent was paid through XXX XXX and back through XXX XXX. They closed on the house in XXX. <br> So XXX XXX – XXX XXX covered which is XXX mos.  | XXX | Housing History Meets Guideline Requirements; Prior housing history received reflects Borrowers paid XXX months for XXX in one lump sum, however, the XXX rent was $XXX short and balance paid on XXX. Although the XXX payment was short, the XXX did not charge a late fee, therefore, review is not considering the XXX late. Condition cleared.; Per the XXX and guidelines the housing pay history required is XXX. It appears we are missing the housing history from when the Borrower resided at XXX, XXX, XXX (the residence the Borrower rented at prior to XXX). Please provide the rental payment history from the XXX location to complete the full XXX month payment history as required per the XXX and the Guidelines. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Letter of Explanation (Income) | The 1003 for Borrower XXX indicates self-employment; however, no letter of explanation or confirmation of ownership percentage has been provided. | Document Uploaded. ; ownership is not marked on the 1003 position in associate | XXX | Borrower is not self employed. Box checked on 1003 was incorrect. Updated 1003 provided. Condition cleared.; The box is checked indicating the Borrower is the Business Owner/Self-Employed of XXX (XXX on the final 1003). If this is incorrect, please provide a corrected 1003. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX. | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). The loan failed the charges that cannot increase test. Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the increase on XXX did not rest the baseline. This violation can be cured by providing a valid COC with a timely re-disclosed and/or initial CD.  | Document Uploaded. | XXX | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110079 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110376 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110376 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110376 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110429 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110429 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110429 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110300 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower XXX Credit Report is Missing. The broker's credit report is not in the produced file | Document Uploaded. Uploaded XXX credit report. | XXX | Borrower 1 Credit Report is not missing. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110300 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Provide the Credit Score (XXX) disclosure dated within XXX days of application. | Credit score disclosure is included with the credit report uploaded to the other finding. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110300 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110286 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110316 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110402 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110354 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110354 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110354 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110259 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110371 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110371 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110371 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender miscalculated the Total Primary Housing Expense on the 1008. Please provide an updated 1008 for review. | Document Uploaded. | XXX | 1008 provided in file had accurate PITI. Supplemental insurance was not entered at time of review. Revised 1008 was provided, however, not necessary. Condition rescinded. | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110396 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The closing C.D. reflects $XXX in gift funds. The Lender's Approval requires a copy of the gift funds wire to be evidenced in the file. Provide evidence of the gift fund wire transfer in the amount of $XXX. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003, Section 3: Financial Information - Real Estate does not list the current Credit information and XXX Liabilities-Credit Cards, Other Debts and Leases that You Owe lists the mortgage creditor information. Provide a complete, accurate and executed Final 1003 with the mortgage credit information listed in Section 3a and removed from Section 2c. | Document Uploaded. | XXX | The Final 1003 is Present | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110206 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110172 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a XXX Credit Report dated within XXX days of the closing date. The XXX Credit Report is dated > XXX days from the closing date. Provide a XXX Credit Report dated within XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110370 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110370 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110370 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110400 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110400 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110400 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110329 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110002 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110384 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Extension Addendum in the file extends the contract to XXX. The loan closed on XXX. the lender requires a Purchase Contract Extension Addendum XXX that was not provided. Provide a copy of the Purchase Contract Extension Addendum extending the closing to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110424 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The XXX insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Please provide documentation stating HOI coverage is sufficient. | Document Uploaded. ; Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Please provide documentation to support the replacement cost of XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110424 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110424 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The XXX insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Please provide documentation stating HOI coverage is sufficient. | Document Uploaded. ; Document Uploaded. | XXX | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Please provide documentation to support the replacement cost of the subject is $XXX. Thank you. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial XXX Account Disclosure is Missing The loan has taxes and insurance XXX, therefore the executed XXX Account Disclosure is required. | Document Uploaded. | XXX | Initial XXX Disclosure is Resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant 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. | If this condition is cleared ie XXX Compliant pls show resolved? | XXX | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110368 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 2025110258 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | Ineligible Property | The subject property is an investment property that was listed the last time on XXX and the listing was withdrawn on XXX. Per the Lender Guideline XXX, if the property was listed for sale within the past XXX (XXX) months the lesser of the sale price or appraised value has to be used and the borrower must confirm in writing: 1. The reason for the prior listing; and Intent to occupy the subject property. The file does not contain the required letter from the borrower addressing the reason for the prior listing or the intent to occupy the subject property. The investment property is an Ineligible Property due to being listed in the past XXX months and the borrower does apparently not intend to occupy the property. | Document Uploaded. ; Hi I'm not understanding why this is not clear, you state the LOX meets the requirements but its still open, pls advise; Document Uploaded. ; Document Uploaded. We corrected the Value. We cannot obtain a letter from the borrower for the intent to occupy the property since this is an investment property, that should not apply. | XXX | ; XXX provided by borrower confirming property is an investment and will not be owner-occupied. Exception resolved. ; There were XXX reasons for the exception: 1) No explanation from the Borrower on the reason for the listing, which we now have, thank you; 2) Since this is an XXX, the intent to occupy the subject property is not there which is required per Section XXX when a property has been listed within XXX months. Since the XXX part of the exception is not cleared, we are unable to resolve.; Thank you for providing the XXX from the Borrower. Unfortunately, we still have an ineligible property. There were XXX reasons for the exception: 1) No explanation from the Borrower on the reason for the listing, which we now have, thank you; 2) Since this is an XXX, the intent to occupy the subject property is not there which is required per Section XXX when a property has been listed within XXX months. Since the Borrower will not be occupying the subject, the transaction does meet the requirements as reflected in the guidelines. ; Per Section XXX if the property was listed within the past XXX months, the Borrower must provide the reason for the prior listing and intend to occupy the property. Since this was an XXX, the intent to occupy is not present and the letter from the borrower regarding the reason for the listing was not provided, therefore, does not meet the guideline and is ineligible. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110258 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110258 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX compliant This loan failed the XXX XXX XXX higher-priced mortgage loan test. (XXX XXX XXX, XXX Financial Code Division XXX(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. 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. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | 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 ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the Lender Credit on the PCCD. The COC dated XXX is dated after closing and XXX cannot be issued/applied after closing/consummation. | Document Uploaded. ; Document Uploaded. | XXX | Cure package provided to the borrower; Exception downgraded to a XXX; Cure package provided to the borrower; Exception downgraded to a XXX; XXX will not be permitted to rebaseline fee tolerance amounts despite occurrence of a valid changed circumstance (see example in Comment 19(f)(2)(iii)-1(ii)); Cure required | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. An XXX or desk review is required if the XXX is > XXX and the XXX is ineligible for R&W relief unless the the LTV is < XXX%. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110293 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110428 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110326 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Addendum, dated XXX, indicates the subject loan closing must take place on or before XXX. However, the loan closed on XXX. The Clear To Close Approval in the loan file conditioned for a fully executed extension at or prior to closing if the loan closing date is after XXX. Please provide a fully executed extension which shows the contract was extended to at least XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110326 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110326 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower XXX CPA Letter Missing Guidelines require a CPA letter confirming percentage of ownership. Please provide a CPA letter for review. | Document Uploaded. docs show sole mbr no cpa letter is required | XXX | Documentation on pages XXX supports Borrower as XXX, therefore, XXX letter not required. Condition rescinded. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110405 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required; the file is missing evidence that the borrower received or acknowledged receipt of an initial CD at least XXX business days prior to consummation. The lender's disclosure tracker indicates the initial CD is dated XXX but was missing from the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD received; Exception resolved; Initial CD received; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA XXX cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to an increase in Discount Points from the XXX to CD. The revised XXX issued XXX and the initial CD issued XXX are both missing. Please provide the missing XXX and CD or need evidence of a valid COC, PCCD or proof of refund check to the borrower in the amount of $XXX<br> 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Initial Cd and revised XXX provided; exception resolved; Initial Cd and revised XXX provided; exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 2 Credit Report is Missing | Borrower XXX Credit Report is Missing. The broker's credit report is not in the file | Document Uploaded. | XXX | Full credit report in file on page XXX. Condition rescinded. | XXX | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Borrower 1 Credit Report is Missing | Borrower XXX Credit Report is Missing. The broker's credit report is not in the file | Document Uploaded. | XXX | Full credit report in file on page XXX. Condition rescinded. | XXX | C A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110070 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110031 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110031 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110031 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110385 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110385 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110385 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110339 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110409 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110472 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110395 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. The loan file does not contain the Broker credit report. Please provide the Broker credit report. | Document Uploaded. ; This file doesn't have a Broker XXX | XXX | Borrower 1 Credit Report is not partially present.; We apologize for the confusion. There appears to have been a report pulled on XXX by XXX that was not provided in the loan file. Please provide the XXX XXX report for review. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110395 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. The loan file does not contain the Broker credit report. Please provide the Broker credit report. | Document Uploaded. ; This file doesn't have a Broker CR, not all of our files contain Broker CR's | XXX | Borrower 2 Credit Report is not partially present.; We apologize for the confusion. There appears to have been a report pulled on XXX by XXX that was not provided in the loan file. Please provide the XXX XXX report for review. Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110443 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires a copy of the wire transfer for the $XXX gift funds. The file is missing proof of the wire transfer receipt from the XXX. | Document Uploaded. | XXX | Asset Qualification Meets Guideline Requirements | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110195 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Borrower does not meet residual income requirement | Borrower is $XXX over the minimum residual income required to qualify, audit is using the debt from the origination credit report per review specifications. Per Lender Credit Risk Summary & Exception Approval there is an exception granted for $XXX in residual income. The lender approved the exception, noting that the borrower has sufficient funds to purchase the subject property in cash, and that substantially all of the borrower's obligations are being paid in full at closing as the compensating factors. |  |  | Exception granted | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | B | A C | B C A | B C A | B C A | B C A | B A | A B | A B | A B | A B | A |
| 2025110033 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The Borrower was receiving a $XXX gift. The file contained a copy of donor's bank statement showing sufficient funds to cover the gift and also documentation establishing the source of funds in the account. However, the file did not contain verification the gift funds donor cancelled check; or donor's cancelled check to the closing agent; or evidence of wire transfer from donor to the Borrower. Please provide verification of the gift funds being deposited into the Borrower's account and their availability for use. | Document Uploaded. | XXX | Asset Record XXX Meets G/L Requirements Or Not Applicable | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110033 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The 1008 and the Final 1003 reflect Association/Project Dues $XXX per month was used for qualifying. The subject property is not a XXX or a XXX and there is no explanation or verification to support the amount. Please provide verification of the $XXX per month fee. | Document Uploaded. | XXX | Corrected 1003, 1008, and XXX removing the XXX/mo XXX dues provided. Condition cleared. | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110307 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | ATR: Current Employment Not Verified Borrower XXX has a Verification of existence of business older than XXX days. Guidelines require a VOE dated XXX or later. | Document Uploaded. | XXX | ATR: Current Employment Was Verified | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110063 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: (XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The Lender requires a XXX Credit Report to be pulled within XXX-days of the closing date. The XXX Credit Report is dated XXX and the loan closed XXX, XXX days prior to the closing date. Provide a XXX Credit Report that meets the lender's XXX-day requirement. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110063 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to the increase of the Credit Report Fee from $XXX, to $XXX on the revised LE dated XXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. The credit report fee was initially increased on the XXX dated XXX and there is a XXX attached. | XXX | Lender pulled XXX credit report on XXX; XXX provided dated within XXX days of valid XXX; Exception reoslved; Lender pulled XXX credit report on XXX; XXX provided dated within XXX days of valid XXX; Exception reoslved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110397 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing Letter of Explanation (Credit) | Audit could not locate the written legal agreement to document the monthly child support payment of $XXX. | Document Uploaded. ; Document Uploaded. ; Documents are in the file. <br> I included the child support in his DTI even though there is termination notice in the file. doc name is Support Termination. | XXX | Revised 1008 and loan approval provided, exception resolved. ; Since the monthly child support payment was removed from the final 1003, please provide an updated 1008 and XXX with revised DTI and residual income. Thank you.; File contains the XXX and the support termination agreement. However, there is no documentation to confirm that the XXX liability payment included in the DTI is the child support payment. Since the support payment was included in the DTI, please provide documentation to support the amount used. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110375 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110375 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110375 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110474 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified Guidelines require a verification of existence of business within XXX days of closing. Please provide a VOE dated XXX or later for XXX. | Document Uploaded. | XXX | Verification of XXX business provided, exception resolved. ; XXX: Current Employment Was Verified | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110474 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))Using the greater of the disclosed XXX 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. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110474 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110466 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The mortgage payment for property listed in Section XXX: Financial Information-Real Estate, XXX. is listed in Section XXX-Liabilities-Credit Cards, Other Debts, and Leases that You XXX. Provide a corrected Final and signed 1003 that reflects the mortgage payment in Section XXX: Financial Information-Real Estate in XXX. Property You Own. | Document Uploaded. ; this section is for additional property & XXX is for property owned. The Borrower doesn't have additional properties to add to XXX. ; I noticed this section is for additional property & XXX is for property owned. The Borrower doesn't have additional properties to add to XXX. Is this section typically filled in when there is not more than one property | XXX | Revised 1003 has been provided, exception resolved. ; The Final 1003 is Present; We are not requesting for anything to be added to Sect XXX. The issue is that Sect XXX, the "Mortgage Loans on this Property" section, does not reflect the associated XXX mortgage. The mortgage account information needs to be added to this section and removed from the XXX Liabilities section on page XXX of the application. Please provide a corrected final application.; Hello. Typically the mortgages are listed in the XXX You Own section of the 1003 along with monthly taxes, insurance, etc. Please provide an updated 1003 reflecting the mortgage information and payment, taxes, and insurance, etc. for the XXX (XXX). Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110466 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | 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. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110466 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery. The Appraisal fee increased on the CD issued XXX; however, per the invoice issued XXX; the borrower paid the full amount including the Rush fee on XXX. 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110466 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test | This loan failed the XXX post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. This loan failed the TRID post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. Corrected PCCD date; Exception resolved Corrected PCCD date; Exception resolved |  |  |  | XXX | D B C A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110466 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is missing proof of taxes, insurance, and/or HOA payment for the XXX property. The credit report reflects the mortgage payment. If there is no HOA on the property a statement from the borrower is provided to confirm that there is no HOA payment. | Document Uploaded. ; Document Uploaded. | XXX | Mortgage account statement provided showing payment includes XXX. Exception resolved. ; Thank you for providing the XXX from the borrower regarding no XXX dues present on the XXX. We are still missing documentation to confirm the taxes and XXX for XXX (or a mortgage statement from XXX confirming the payment of XXX includes XXX). Thank you. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110466 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires a copy of the wire transfer at closing for the $XXX gift funds. Provide a copy of the wire transfer. | Document Uploaded. | XXX | XXX receipts for gift funds provided, exception resolved. ; Asset Qualification Meets Guideline Requirements | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110344 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110479 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110051 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Lender requires evidence of the wire transfer at closing in the amount of $XXX from XXX XXX. from XXX and XXX. The file is evidence of the gift fund wire. Provide a copy of the gift funds wire in the amount of $XXX. | Document Uploaded. | XXX | Email/Receipt of XXX gift wire received. XXX number, Settlement Agent, Donor, and amount all match. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110051 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110051 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | 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. XXX compliant |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110369 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110469 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110469 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110469 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110418 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Acknowledged | XXX | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Per the XXX, non-warrantable XXX are not eligible for financing. | Pls provide me with your complete Income Calculations ; Document Uploaded. | XXX | Lender provided exception for the XXX.; Comp factors cited on the exception approval do not agree with Audit's numbers. Please adjust the approval to reflect XXX years on the job and a DTI of XXX% (discrepancy due to subject rental income calculation). | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110418 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Rescinded | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Although a verification of rent was provided covering the past XXX months, lender guidelines (Section 5.14.3) require XXX months of cancelled checks to support rental history. | Document Uploaded. Pls see XXX | XXX | Management XXX in file on page XXX which is allowed in lieu of cancelled checks per guidelines (Section XXX). Condition rescinded. | XXX | C B A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110570 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | XXX 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 is due to an increase in Title – Closing Protection Letter fee (paid to an affiliate of lender) from $XXX on the initial LE to $XXX on the final CD. 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | XXX | Cure package to the borrower; exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110570 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The XXX reflected a Risk Score of 3.4 and the XXX reflected collateral R&W Relief as not eligible, and there was no Third Party Valuation Product in the loan file. Please provide a Third Party Valuation Product. | Document Uploaded. | XXX | Third party valuation product provided within tolerance. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110570 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Affiliated attestation provided; Exception resolved | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110570 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines require XXX months PITI seasoned for at least XXX months. The borrower has presented a XXX account with a balance as of what appears to be XXX of $XXX. The statement closing balance for this account on XXX was $XXX. The borrower is only a XXX% owner of the company and can only show XXX% of the balance as available for closing costs and reserves. Even using the latest available balance, the borrower did not present sufficient funds for closing and reserves. | Document Uploaded. ; Document Uploaded. | XXX | Audited Reserves of XXX are equal to or greater than XXX Required Reserves of XXX.; Thank you for providing the source of the large deposits and XXX bank account. However, XXX was not reflected on the final 1003 at time of origination, therefore, cannot be used and reserves remain insufficient. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025110016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The required number of months reserves are to be seasoned does not meet Guideline requirement. Per guidelines, cash to close and three months of PITIA must be sourced and seasoned for a minimum of XXX days. The borrower submitted a business account statement dated XXX, showing a balance of $XXX. Given the borrower's XXX% ownership in the business, only $XXX of the account balance is eligible for use. While the file reflects sufficient funds to cover closing costs of $XXX, it falls short of the required three months of reserves totaling $XXX—resulting in a shortage of $XXX. Additionally, the source of funds for XXX large deposits—$XXX on XXX, and $XXX on XXX—was not provided. | Document Uploaded. ; Document Uploaded. | XXX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Thank you for providing the source of the large deposits and XXX bank account. However, XXX was not reflected on the final 1003 at time of origination, therefore, cannot be used and reserves remain insufficient. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025110016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Per guidelines, cash to close and three months of PITIA must be sourced and seasoned for a minimum of XXX days. The borrower submitted a business account statement dated XXX, showing a balance of $XXX. Given the borrower's XXX% ownership in the business, only $XXX of the account balance is eligible for use. While the file reflects sufficient funds to cover closing costs of $XXX, it falls short of the required three months of reserves totaling $XXX—resulting in a shortage of $XXX<br> Additionally, the source of funds for XXX large deposits—$XXX on XXX, and $XXX on XXX—was not provided. | Document Uploaded. ; Document Uploaded. | XXX | The required number of months reserves are to be seasoned does meet Guideline requirement.; Thank you for providing the source of the XXX and XXX bank account. However, XXX was not reflected on the final 1003 at time of origination, therefore, cannot be used and reserves remain insufficient. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025110016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued XXX is missing from the loan file. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | Document Uploaded. | XXX | Initial CD received; Exception resolved; Initial CD received; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025110016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025110016 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | XXX Credit History Does Not Meet Guideline Requirements Guidelines require XXX collections in the previous XXX months. The borrower has a XXX account open dated XXX months from the application. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | A D | C D A | C D A | C D A | C D A | C B A | A B | A B | A B | A B | A |
| 2025110520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110520 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110462 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110492 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 XXX Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The XXX Credit Report pull date: XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. The loan approval conditioned for a Credit - XXX Report dated within XXX days from closing. The Credit - XXX report in file was dated XXX, which was greater than XXX days from the loan closing on XXX. | Document Uploaded. | XXX | Borrower 1 XXX Credit Report is not expired. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110500 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110458 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110169 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a XXX, LOE, copy of refund check, and proof of delivery or valid COC. The XXX% tolerance violation in the amount of $XXX is due to the addition of the title endorsement fee and electronic recording fee on the CD dated XXX without valid COC. COC dated XXX does not provide a valid reason for the additional title fees. This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains XXX services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($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.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §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. | XXX | Cure package provided to the borrower; exception downgraded to a XXX | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110169 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110169 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Appraisal incomplete (missing map, layout, pages, etc.) | The Appraisal states the XXX complex has XXX. The HOA Questionnaire states the complex has XXX. Provide corrected documentation to verify the actual number of units the complex has. | Document Uploaded. Pls see LOX and if you will not accept XXX to Management, thanks so much | XXX | ; XXX provided confirming appraisal is correct, corrected questionnaire is not required. Exception resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110493 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | XXX: Current Employment Not Verified | XXX: Current Employment Not Verified The Lender requires a Verbal Verification of Employment completed within ten (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. |  |  | Verification provided, exception resolved. ; XXX: Current Employment Was Verified | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The Lender requires XXX trade lines reporting for XXX months or more or XXX trade lines reporting for XXX months or more. The XXX account does not qualify is not an acceptable tradeline per Lender's Guideline. The borrower does not meet the minimum tradeline requirement. | Document Uploaded. | XXX | Exception for minimum trade line requirements not met approved by investor on XXX. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | HO6 Insurance Policy Effective Date is after the Note Date | XXX Insurance Policy Effective Date of XXX is after the Note Date of XXX Provide proof the policy effective date was active at the time of closing XXX. | Document Uploaded. | XXX | XXX provided, exception resolved.; XXX Effective Date of XXX is prior to or equal to the Disbursement Date of XXX Or XXX Effective Date Is Not Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110481 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A B | A B | A B | A B | A B | A |
| 2025110513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | XXX approval indicated that the loan must close by XXX, or an extension would be required. Although an extension was provided, it only extended the closing deadline to XXX. The loan ultimately closed on XXX, and no updated extension reflecting the revised closing date could be located in the file. | Document Uploaded. | XXX | Extension received, exception resolved. ; Material Finding | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110513 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A B | A B | A B | A B | A B | A | A | A | A | A | A |
| 2025110506 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110506 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110506 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Compliance | XXX XXX Notice for Home Equity Disclosure is Missing | XXX §153.45 50(f)(2)(d) - XXX Notice for XXX is not Provided. Documentation Required- XXX Notice for XXX | The existing mortgage on title is not a home equity loan. | XXX | XXX notice not required, loan was not paying off a XXX loan; XXX §153.45 50(f)(2)(d) - XXX Notice for XXX Disclosure is Provided or Not Applicable. | XXX | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110413 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires a Verbal XXX completed within XXX days of closing or at any point post-closing. The XXX in file is dated XXX and the loan closed XXX. Provide a XXX completed within XXX days of the closing date or any point post-closing. | Document Uploaded. | XXX | Verification provided, exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No evidence of required debt payoff | The Approval requires evidence Pay-off of XXX Collection #XXX. This is a charge off account that was not paid at closing. Provide proof the account has been paid as required by the Lender's approval. | the XXX Charge off, #XXX dated XXX, is > XXX-months old and in compliance with the Credit History Section of the Bank Statement matrix, dated XXX as the Charge Off was Closed XXX. | XXX | XXX account is from XXX and meets XXX requirement for no collection/charge offs within XXX months of closing. Exception resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110445 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Lender is using the monthly flood liability XXX in the final payment calculation. Please provide an updated 1008 with the corrected final monthly payment. | what is needed? just requested 1008; Document Uploaded. | XXX | Approval/Underwriting Summary is fully present; Approval/Underwriting Summary Partially Provided.; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file is verification of taxes, insurance and/or XXX fee for both XXX properties located on XXX. Provide the missing documentation. | Document Uploaded. ; Document Uploaded. Commercial property per XXX - Free/Clear / XXX<br> Commercial Property for business per Fraud Mgr/Taxes $XXX Free/Clear / XXX | XXX | XXX for XXX verified, exception resolved. ; Please provide the referenced XXX reports for both of the XXX properties as they are not in the file. The XXX report in file reflects lower taxes of $XXX (XXX) & $XXX (XXX). | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110488 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Please provide property profile reports for the five rental properties listed on the 1003 to verify ownership status (free and clear) and confirm property tax amounts. | all hoi shows no mortgage and all docs were upld in the inital upld. please re-review | XXX | Fraud report in file confirms XXX and tax amounts for all XXX rental properties. Exception resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No evidence of required debt payoff | While the XXX Settlement Statement was provided for the sale of the XXX, the file does not contain documentation confirming that the mortgage with XXX has been paid in full or reflects a XXX balance. | the sitex is in file showing new owners why is that not acceptable? | XXX | XXX dated XXX shows property at XXX XXX XXX and mortgage with XXX was paid. Although the credit report dated XXX still shows the mortgage open, the info was reported as of XXX. The XXX report in the file confirms new owners as of sale date XXX and also confirms XXX mortgage was released as of XXX. Exception resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110006 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: Missing Initial CD dated XXX. This loan failed the initial closing disclosure delivery date test due to XXX of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | Initial CD received; Exception resolved; Initial CD received; Exception resolved | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 2025110386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The Lender requires a Verbal XXX to be completed within XXX days of the closing date. The Verbal XXX in file is dated XXX which is XXX prior to the closing date. Provide a Verbal XXX completed within XXX days of the closing date. | Document Uploaded. | XXX | Verification provided, exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party XXX Prior to Close Missing The Lender requires a Verbal XXX to be completed within XXX days of the closing date. The Verbal XXX in file is dated XXX which is XXX prior to the closing date. Provide a Verbal XXX completed within XXX days of the closing date. | Document Uploaded. | XXX | Verification provided, exception resolved. ; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110386 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The XXX-tolerance violation in the amount of XXX is due to the addition of the final inspection fee on the final CD dated XXX without valid XXX. XXX dated XXX does not provide reason for fee addition. | Document Uploaded. | XXX | Cure package provided to the borrower; Exception downgraded to a XXX | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires Verbal XXX"s to be completed XXX days prior to closing for XXX and XXX. The file is missing the required XXX for the employers. Provide a XXX for each employer completed within XXX days of closing. | Document Uploaded. | XXX | Verifications provided, exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The XXX consent disclosure is missing. Documentation Required- Missing initial XXX documents consent. Intent to Proceed and other initial disclosures were electronically signed on XXX. | Document Uploaded. | XXX | Evidence of XXX is provided. | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110505 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 2025110461 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110461 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110461 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110314 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110314 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110314 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum<br> Original LTV is Below the Guideline Maximum<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum<br> Original LTV is Below the Guideline Maximum<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110465 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum<br> Original LTV is Below the Guideline Maximum<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party XXX Prior to Close Missing The loan file does not contain a Verbal XXX for Borrower 2. The Lender requires a Verbal XXX to be completed within XXX day of the closing date. Provide a Verbal XXX completed within the required time frame. | Document Uploaded. Uploaded XXX for XXX. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110475 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110459 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing The file contains neither a CPA letter nor the Articles of Incorporation or Operating Agreement needed to establish the borrower's percentage of ownership in the business from which the qualifying income is being derived, as is required by guidelines. | Document Uploaded. Uploaded Operating Agreement verifying XXX% ownership. | XXX | Operating Agreement received confirming XXX% ownership. Condition cleared. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110459 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110459 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110220 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Qualifying Credit Score does not meet eligibility requirement(s) | Per guidelines, the lowest middle score of the primary wage earner is to be used as the qualifying credit score. In this case, the borrowers earn the same amount each month. The lender is showing the lowest high score between the borrowers as the qualifying credit score. | Document Uploaded. The UW used the XXX credit report for Borrower #XXX - the score of XXX was used for qualifying the loan. I uploaded the XXX report. | XXX | XXX for XXX that was used to qualify reflecting XXX mid score received. Condition cleared. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110220 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110220 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110494 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110494 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110037 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110264 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110264 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110264 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expiration date is XXX. The Loan closed XXX. The Lender requires a Purchase Contract Extension to the closing date of XXX. Provide a Purchase Contract Extension to XXX. | Document Uploaded. | XXX | Contract extension to XXX received. Condition resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation Required- Missing documentation to verify date initial CD was delivered to the Borrower. The initial CD issued XXX per disclosure tracking is missing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "XXX" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days (counting all calendar days except XXX and XXX) 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 XXX business days before consummation. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | 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 (XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). XXX XXX Cure Required. Refund in the amount of XXX; cure package requires a PCCD, XXX, copy of refund check, and proof of delivery or valid XXX. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the XXX dated XXX to XXX on the final CD without valid XXX. The initial CD issued XXX is also missing from the loan file. | Document Uploaded. | XXX | Initial CD provided; exception resolved; Initial CD provided; exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110437 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 2025110421 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110421 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110421 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110485 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110548 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110548 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110548 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110542 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract is Expired | The Purchase Contract Expired on XXX. Per the Lender's Approval a Purchase Contract Extension is required if the loan closes after XXX. The loan closed XXX. Provide the required Purchase Contract Extension to XXX. | Document Uploaded. Uploaded addendum. | XXX | Contract addendum showing closing date extended has been uploaded, exception resolved. | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110542 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110542 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110495 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Please provide the fully executed XXX with no mortgage payoff, with net proceeds of no less than XXX and a copy of the XXX from XXX for the sale of XXX, as required on the Approval. | Document Uploaded. Uploaded CD, wire confirmation, 1008/1003, and XXX with reserves updated. | XXX | Sale proceeds adequately documented, assets meet XXX. Exception resolved. ; Asset Qualification Meets Guideline Requirements | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110495 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110495 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Credit Score Disclosure (XXX) | Missing Credit Score Disclosure (XXX). Documentation Required- Credit Score Disclosure (XXX) | Document Uploaded. Uploaded credit score discl. | XXX | XXX Credit Score Disclosure is provided. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110408 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a XXX, the required assets do not meet guidelines. B2 is showing her departure residence as sold on the Final 1003. There is no evidence of the closing in file, nor have the proceeds been documented for use as funds to close and/or reserves. | Document Uploaded. Uploaded seller's CD, copy of check, and proof of deposit into XXX account. This property was sold. | XXX | Lender provided documentation showing XXX XXX property sold and proceeds were received. Assets and DTI meet XXX, exception resolved. ; Funds are found to meet guidelines. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) B2 is showing her XXX as sold on the Final 1003. There is no evidence of the closing in file, nor have the proceeds been documented for use as funds to close and/or reserves.  | Uploaded to other finding. Property was sold. | XXX | Lender provided documentation showing XXX XXX property sold and proceeds were received. Assets and DTI meet XXX, exception resolved. ; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of XXX. B2 is showing her XXX as sold on the Final 1003. There is no evidence of the closing in file, nor have the proceeds been documented for use as funds to close and/or reserves.  | Uploaded to other finding. Property was sold. | XXX | Lender provided documentation showing XXX property sold and proceeds were received. Assets and DTI meet XXX, exception resolved. ; Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX.; Audited Reserves of $XXX are equal to or greater than XXX Required Reserves of $XXX. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% B2 is showing her XXX as sold on the Final 1003. There is no evidence of the closing in file, nor have the proceeds been documented for use as funds to close and/or reserves. The debt is also being counted against the DTI until closing documentation is provided. <br>| Uploaded to other finding. | XXX | Lender provided documentation showing XX property sold and proceeds were received. Assets and DTI meet XXX, exception resolved. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110467 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Curative | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX loan with established XXX and met appraisal requirements. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110426 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Audit was unable to locate XXX of the XXX required bank statements for XXX , specifically those covering XXX through XXX. Without these statements, the audit cannot accurately assess the income. | so what is the new condition; Document Uploaded. | XXX | Income and Employment Meet Guidelines. Additional XXX months received and match Lender's income calc at time of origination. Condition cleared.; Income and Employment Do Not Meet Guidelines | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a Verification of Existence of Business within XXX days of closing. Please provide a XXX dated XXX later for both businesses. | Document Uploaded. | XXX | Verifications provided, exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Total of Payments Test | This loan failed the XXX total of payments test. (12 CFR §1026.18(o)(1))The total of payments is XXX. The disclosed total of payments of XXX is not considered accurate because it is understated by more than $XXX and the provided reimbursement amount of XXX is not sufficient to cure the inaccuracy. | Document Uploaded. | XXX | Final CD with page XXX provided; Exception resolved; Final CD with page XXX provided; Exception resolved; Page XXX of the final CD dated XXX is missing; unable to test XXX accurately. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Finance Charge Test | Page XXX of the final CD dated XXX is missing; unable to XXX accurately. Please provide page XXX of the final CD. This loan failed the XXX charge test.(12 CFR §1026.38(o)(2))The finance charge is XXX. The disclosed finance charge of XXX is not considered accurate because it is understated by more than $XXX. | Document Uploaded. | XXX | Final CD with page XXX provided; Exception resolved; Final CD with page XXX provided; Exception resolved | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Closing Disclosure | Documentation Required- Page XXX of the final CD dated XXX is missing; unable to test XXX accurately. XXX: Missing Final Closing Disclosure | Document Uploaded. | XXX | XXX: Final Closing Disclosure Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Purchase Contract Expiration Date is prior to Note Date | Per the lender's Clear to Close Approval, if the loan closed after XXX, all parties were required to fully execute an extension at or prior to closing. The loan closed on XXX; however, audit could not locate documentation of an executed extension covering this date. | Document Uploaded. | XXX | Contract extension provided, exception resolved. ; Material Finding | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110507 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110064 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Grant Deed Missing | Copy of fully executed and recorded Quit Claim Deed from LLC to borrowers name XXX not provided. | Document Uploaded. | XXX | Executed Warranty Deed provided, exception resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXXXXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110064 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXXXXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110064 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXXXXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Cured | XXX | Compliance | XXX Per Diem Interest Amount Test | The CD signed at consummation shows interest collected from XXX however the disbursement date was not until XXX. Either provided XXX that shows the actual amount collected or provide refund of the additional days interest The CD signed at consummation shows interest collected from XXX however the disbursement date was not until XXX. Either provided PCCD that shows the actual amount collected or provide refund of the additional days interest This loan failed the per diem interest amount test. (XXX. Prof. Code §2948.5)The per diem interest amount charged on the loan (XXX) exceeds the per diem interest charge or credit threshold (XXX).PLEASE NOTE: An additional $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. This loan failed the per diem interest amount test. (XXX. Prof. Code §2948.5)The per diem interest amount charged on the loan (XXX) exceeds the per diem interest charge or credit threshold (XXX).PLEASE NOTE: An additional $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. Pls note that this is a XXX Loan so they disburse differently, pls run this up the chain to clear, thanks Pls note that this is a XXX Loan so they disburse differently, pls run this up the chain to clear, thanks Pls note that this is a XXX Loan so they disburse differently, pls run this up the chain to clear, thanks Can we re-open rescission? Can we re-open rescission? Can we re-open rescission? what is the cure amount required please and thank you what is the cure amount required please and thank you what is the cure amount required please and thank you Document Uploaded. Document Uploaded. Document Uploaded. Cure package provided to the borrower; exception downgraded to a XXX |  |  | Confirm the amount collected on the final settlement statement or XXX. There are XXX CDs with a XXX date in file that show XXX different dates of interest collected. If the final settlement statement shows interest start date of XXX then a cure of $XXX is required; If the interest start date collected from the borrower was XXX then the cure is $XXX; To resolve, a copy of the signed XXX per diem disclosure signed at or prior to consummation or To cure, a cure package requires: XXX, copy of check in the amount of XXX days worth of per XXX and proof of delivery; Per the final settlement statement in file, interest collected starting XXX but disbursed on XXX. The file does not contain a XXX per diem disclosure. Without the signed disclosure stating the borrower agrees to the additional XXX days interest, only XXX additional day of interest is allowed to be collected | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Right of Rescission Test | Loan disbursed on XXX per final CD with consummation date of XXX. Disbursement occurred prior to the XXX business day after consummation. In order to cure, rescission needs to be re-opened and a PCCD, XXX, and proof of delivery is required. Documentation to verify actual disbursement date may also cure violation. This loan failed the XXX right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | Document Uploaded. | XXX |  | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110382 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110521 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXXXXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110521 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXXXXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110567 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | XXX | Required Affiliated Business Disclosure Documentation Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110567 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX complaint- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110567 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX complaint- Appraisal requirement met This loan failed the XXX higher-priced mortgage loan test. (XXX) , XXX)Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110567 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110567 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 2025110446 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110446 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110446 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110001 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The file contains an Appraisal Update and/or Completion Cert indicating the sod/landscaping have not been completed. The Lender's Guideline requires an Appraisal Update and/or Completion report (XXX Form XXX) with complete interior photos reflecting completion. The appraiser stated, 'At the time of observation, subject property was complete with the exception of XXX/XXX.' Provide a Form XXX/Appraisal Update and/or Completion Report that provides XXX reflecting completion. | XXX agreement was completed & approved was in file and additional 1004D is not required. thanks | XXX | The XXX is in the file confirming the property was complete and XXX were provided. The only item not yet completed is the XXX, and there is an XXX holdback in the file for it. Exception resolved. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110001 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110001 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX 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))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | XXX Compliant | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110484 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110456 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a XXX dated XXX or later. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party XXX Prior to Close Missing Guidelines require a verification of existence of business within XXX days of closing. Please provide a XXX dated XXX or later. | Uploaded XXX to other finding. | XXX | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110410 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX: Missing Loan Estimate | Missing the revised Loan Estimate dated XXX per the Disclosure Tracking Summary. | Document Uploaded. Uploaded XXX. | XXX | Revised XXX provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Charges That Cannot Increase Test | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The XXX tolerance violation in the amount of XXX is due to increase from $XXX to $XXX for the loan discount points. A XXX is required to determine if the increase was a valid change.<br>| Uploaded the XXX missing XXX with XXX to document the loan being locked affecting the discount points and lender credit. Uploaded both to the other findings. | XXX | 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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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).; XXX provided with valid XXX; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | Refund in the amount of XXX; cure package requires a PCCD, XXX, Copy of Refund Check, and Proof of Delivery or Valid XXX. The zero tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. A valid XXX is required to determine if the increase was valid. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. I believe you are missing the XXX dated XXX with the XXX. This is when the loan was locked which explains the difference in discount points and lender credit. | XXX | Valid XXX provided; Exception resolved; Valid XXX provided; Exception resolved | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110292 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 2025110470 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The monthly payments for the primary residence and the rental on XXX are not verified. A mortgage statement and/or the note, tax bill, and hazard insurance bills are needed to confirm those obligations. | Document Uploaded. ; Document Uploaded. Will upload proof of Sale of XXX Unit XXX once received | XXX | Documentation for XXX and proof of sale received. Condition cleared.; Thank you for providing the PITIA for XXX. Please provide the PITIA for the XXX (this property was not listed as sold on the final 1003). Thank you. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110470 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing income documentation | XXX income cannot be verified with documentation in file; The paystub dated XXX is the only document showing a bonus amount. The lender extrapolated bonus amounts for XXX and XXX by subtracting the borrower's base salary from the XXX total amount, but those base amounts are not verified in the file. The same income calculation sheet miscalculates the borrower's current monthly base, showing it as bi-weekly rather than semi-monthly. <br>| Document Uploaded. | XXX | XXX confirmed base pay and prior XXX years reflects significantly higher amount of earnings over base pay. Year to date pay stub in file shows year end bonus which was used to qualify by Lender conservatively. Although the bonus is not specifically split out on XXX, the XXX month history of overall earnings supports more than what was used to qualify. Condition resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110470 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110514 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing The verification of employer for the Co-Borrower is not provided in file. |  |  | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX); Document Uploaded. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110514 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing XXX in file do not indicate the Borrower. | Document Uploaded. This should clear both Conditions | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110514 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Property Title Issue | Property Title Issue Missing proof that the judgements and liens on the title report have been released for Item #XXX Release or Satisfaction of Judgment in favor of XXX and against XXX recorded in Instrument XXX and Item #XXX, Compliance and Release of Code XXX in favor of Pastor XXX against The XXX of XXX, XXX, XXX, a XXX, recorded in XXX XXX XXX, of the XXX of XXX, XXX. | Document Uploaded. Please see XXX docs uploaded provided by the closing agent. | XXX | XXX of title was against someone of a similar name, Non Identity XXX signed at closing. XXX of title paid, copy of order and check received. Property Title Issue Resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110511 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110444 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110444 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110444 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110508 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXX is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110012 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110012 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110012 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to for the XXX . Provide proof of taxes, insurance and XXX totaling $XXX. If the property does not have XXX payments a document to support no payment is required or an executed note from the borrower stating there are no XXX payment. | Document Uploaded. Uploaded all the XXX docs. XXX and also the fraud report in the file confirms there is no mortgage. | XXX | Taxes, insurance, XXX, and proof XXX Park property is owned free and clear received and matches what Lender used to qualify. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The Lender requires a Verbal Verification of Employment completed within XXX (XXX) days of the closing. The file is missing the required Verbal Verification of Employment. Provide a Verbal Verification of Employment completed within XXX days of closing. | Document Uploaded. Uploaded XXX - confirmation with XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110502 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110464 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The XXX-day XXX required by guidelines was not found in file. Please provide the required Verbal Verification of Employment. | Document Uploaded. Uploaded XXX. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110464 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110464 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110473 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party XXX Prior to Close Missing The guidelines require verification of the existence of the business required within XXX calendar days prior to the note date. The search for the Borrower's XXX is XXX and the CPA letter is dated XXX, greater than XXX days from the Note date of XXX. Provide the required Verifications of Employment for both businesses completed with XXX days of the closing date. | Document Uploaded. | XXX | Borrower 1 3rd Party VOE Prior to Close Was Provided | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110473 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Acknowledged | XXX | Credit | Payment shock exceeds guideline | Payment shock of XXX% exceeds the lender guidelines tolerance for payment shock. Payment shock of XXX% exceeds the XXX% guideline maximum. |  |  | Acknowledged and downgraded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110447 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A C | A C | A C | A C | A C | A B | A B | A B | A B | A B | A |
| 2025110515 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110515 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110515 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The Approval requires a fully executed XXX from sale of the XXX that reflects the payoff of XXX with net proceeds of no less than $XXX. Provide the fully executed XXX. | Document Uploaded. | XXX | Asset Record XXX Meets G/L Requirements Or Not Applicable | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110435 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 2025110040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The lender's conditional approval, XXX, and lock indicate the loan is structured as a XXX-month XXX program; however, only XXX months of bank statements have been provided. Please either submit an updated XXX reflecting a XXX-month bank statement loan or provide the additional XXX months of bank statements along with an updated income calculation worksheet to allow for reconciliation. | Document Uploaded. | XXX | Approval/Underwriting Summary is fully present | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | The borrower has XXX rental properties being shown as free and clear (XXX and XXX) A property report is needed on each to confirm that there are no mortgages in place. | [I included notes on the fraud report showing free and clear because the debts paid in full per credit report]. please review fraud report | XXX | Recent Fraud Report dated XXX (XXX) confirms XXX either have $XXX loan or the loan was paid in full on the credit report (XXX). Condition is resolved. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Rescinded | XXX | Credit | Asset General | The file contains a gift letter from B1 mother for XXX and confirmation of the XXX to the XXX but the final CD does not reflect the inclusion of those funds. | I see it on the closing statement below as a buyer credit should be ok. | XXX | Gift wire to Settlement Agent at time of closing on page XXX. All information on wire matches gift letter in file. Condition rescinded. | XXX | D A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The XXX consent disclosure is missing. Documentation Required- Missing XXX documents consent. XXX to Proceed and initial 1003 were electronically signed on XXX. | Document Uploaded. | XXX | Evidence of XXX is provided. | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110040 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 2025110510 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110510 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110510 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX compliant- Appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | XXX Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Division 1.9 4995(a))Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110516 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | Higher-Priced Mortgage Loan Test | XXX Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed XXX and the calculated XXX, 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 XXX may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing VOM or VOR | Verification of Rent (XXX)/Verification of Mortgage (XXX) Document is Missing. The Final 1003 lists XXX XXX. The file is missing proof of liens and XXX month payment histories for all properties. | Document Uploaded. | XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document received. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 discloses XXX XXX. The file is missing proof of taxes, insurance and XXX payment. If there are no XXX payment for the properties an executed statement from the borrower is required that states that there are no XXX payments on the properties. | Document Uploaded. | XXX | XXX documentation provided. Condition cleared. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110041 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110512 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110512 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110512 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110523 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | XXX | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR §1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX, and either:The loan is secured by a XXX lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXX and the XXX exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a XXX lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXX and the XXX exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the XXX exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Lender Acknowledged XXX Disclosure; XXX account established, and appraisal receipt acknowledged within XXX days. |  |  | ; XXX established, and appraisal receipt acknowledged within XXX days. | XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.<br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.<br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | XXX | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. Collection is within XXX months of loan. This is noted on the XXX (Page XXX) and granted an exception. | Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.;<br> Per CRSE, client acknowledges - Credit-Judgments/Collections/Tax Liens. Guideline - XXX Collections allowed in XXX months; Actual - XXX Collection Past XXX months. Rationale - Collection dated XXX. Compensating Factors : XXX% (Housing Ratio) or XXX% (Total); Borrower with same Employer/Business for XXX years; Residual Income of $XXX. Acknowledged by client. | XXX |  | XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.<br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.<br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.<br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.<br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.<br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.<br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110049 | XXX | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX.<br> ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.<br> ; Borrower 1 has significant job time - Borrower has XXX years on job<br> ; Borrower has stable job time - Borrower has XXX years at job.<br> ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 2025110061 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110552 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Effective date of insurance is after closing date. Hazard insurance reflects XXX and note reflects XXX | XXX: updated insurance |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110071 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for borrowing entity: XXX | XXX: Pls see the Business Search |  | XXX: XXX evidencing ownership received<br> XXX: Must be either good standing or operating agreement with XXX of LLC on it. | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110071 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use lease rent | XXX: Lease |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110074 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after Lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110080 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Commitment Title Schedule XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: updated title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110549 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110103 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Market Rent - Missing or Defective | Missing 1007 in file to determine market rent for subject property: XXX | XXX: CRSE |  | XXX: Exception approval received | XXX | FICO XXX, LTV XXX%, DSCR XXX, XXX months reserves B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110554 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review Document for the Subject Property: XXX | XXX: AVM |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110554 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Flood Insurance Missing or Defective | The provided flood insurance for the subject property is expired. Please provide the updated one. | XXX: uploaded |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110092 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110085 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | XXX report in file is missing mortgagee clause after lender's name. Please provide title supplement report with XXX after mortgagee clause. | XXX: Updated title uploaded. |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110100 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110180 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110150 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | XXX liquidity < XXX cash to close and XXX months reserves required. Please provide updated asset documentation | XXX: additional assets uploaded<br> XXX: Can you please send me your calucations? |  | XXX: Received<br> XXX: XXX reflects XXX on XXX | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110166 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110167 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110072 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing XXX for XXX. | XXX: Uploaded XXX docs that confirm borr is XXX% owner and business is still active as of XXX.These should have been in your file so let me know if something is missing. |  | XXX: Using XXX to prove entity was duly formed with the state, clear | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110143 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required. | XXX: updated title provided |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110210 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110110 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110139 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage | XXX: Haz uploaded - mortgagee updated. |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110076 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110094 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing credit report for borrower : XXX | XXX: credit report provided |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110094 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | Audited Reserves of - XXX month(s) are less than Guideline Required reserves of XXX month(s) | XXX: I have uploaded an LOX with details for the assets used for qualifying. Let me know if your file is missing any of the statements listed. |  | XXX: Asset calculation received, matched months reserves | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110108 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110091 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110141 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110249 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110060 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110201 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Credit report in file from XXX provides only XXX score from XXX. Please provide updated report that provides a minimum of XXX credit scores. | XXX: credit report provided |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110058 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110193 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110279 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110096 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110168 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110082 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110135 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110062 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Unacceptable Mortgage History | Borrower has XXX mortgage XXX-day late within the last XXX months; mortgage late dated XXX | XXX: CRSE |  | XXX: Exception approval received | XXX | LTV XXX%, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110299 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110296 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Missing Hazard Insurance for the Property Address : XXX | XXX: Dwelling coverage provided |  | XXX: Received<br> XXX: XXX provided is missing dwelling coverage, only liability coverage is present | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110225 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110104 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110087 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110219 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | XXX cash out > XXX max allowed for borrowers with a FICO below XXX | XXX: CRSE |  | XXX: Received XXX | XXX | months reserves XXX, LTV XXX, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110099 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110107 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110555 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110128 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110171 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110276 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110102 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110013 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110243 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110215 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110183 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA provided, value is supported. |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110186 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110115 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110343 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110093 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Hazard Insurance Missing or Defective | Effective date of insurance is after closing date. Hazard insurance reflects XXX and note reflects XXX | XXX: XXX |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110026 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgage clause after Lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110111 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | XXX liquidity < XXX cash to close and XXX months reserves required. Please provide updated asset documentation. Breakdown is as follows #XXX reflecting XXX, #XXX reflecting XXX, #XXX reflecting XXX | XXX: Received |  | XXX: Received total assets of XXX with reserves of XXX | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110253 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110283 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110224 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110083 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110228 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110185 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110295 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110302 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110011 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110084 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110247 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110105 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110227 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110263 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110059 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance missing or Defective | Provided title insurance is a XXX with no coverage amount or mortgagee clause. Please provide a title supplement or updated XXX to meet guideline requirements. | XXX: Title |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110301 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110008 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110190 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts for subject property: XXX | XXX: Email CRSE |  | XXX: Received XXX via email to utilize lower market rent | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110319 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110278 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Market Rent - Missing or Defective | Missing 1007 in file to determine market rent for subject property:XXX | XXX: uploaded |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110317 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income XXX, Taxes XXX, Insurance $XXX. Please XXX. | XXX: CRSE |  | XXX: Updated XXX with DSCR change | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110270 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX (#XXX) is missing mortgage clause after Lender's name. Please provide updated XXX with XXX verbiage | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110229 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110095 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110059 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: Field Review |  | XXX: Received | XXX | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110077 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Minimum Credit Score Requirement Not Met | XXX FICO < XXX minimum required for refinance transaction | XXX: CRSE in file |  | XXX: CRSE in file | XXX | months reserves XXX, LTV XXX%, DSCR XXX B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110246 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110254 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance missing or Defective | Provided title insurance is a XXX with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XXX: Supplemental report provided |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110067 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110265 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110119 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110120 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110203 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110331 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110322 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110086 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110260 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110310 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Minimum Loan Amount Not Met | XXX loan amount < XXX, max LTV XXX% | XXX: CRSE |  | XXX: CRSE | XXX | FICO XXX, XXX months reserves, XXX B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110345 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110304 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110189 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Missing hazard insurance for subject property : XXX | XXX: uploaded |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110282 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110208 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110288 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110310 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed on a transaction with a loan amount < $XXX | XXX: CRSE |  | XXX: CRSE | XXX | FICO XXX, XXX months reserves, XXX B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110165 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110262 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110196 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110261 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110236 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110320 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110305 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110178 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110242 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110298 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | Provided hazard insurance is missing policy number & expiration date. Please provide updated hazard insurance. | XXX: Hazard |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110308 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to use higher lease rent | XXX: CRSE |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110205 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110358 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110202 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110348 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property | Property is XXX square feet. Minimum square footage is XXX per guidelines. | XXX: CRSE |  | XXX: CRSE | XXX | FICO XXX, Reserves of XXX, LTV XXX% B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110565 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110377 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110032 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Release of Lien/Subordination Agreement/Satisfaction Missing or Defective | Title reflects a XXX in the amount of $XXX. Please provide documented evidence this has been released. | XXX: Uploaded |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110404 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive Cash-Out Refinance | XXX% LTV > XXX% max LTV for cash out amount greater than XXX | XXX: CRSE in file |  | XXX: CRSE in file | XXX | FICO XXX, Reserves of XXX, XXX last XXX months B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110563 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Hazard Insurance Missing or Defective | XXX is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: Hazard |  | XXX: Received | XXX | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110152 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110561 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income, XXX FICO < XXX minimum FICO allowed when using XXX per guidelines | XXX: CRSE |  | XXX: Received | XXX | FICO XXX, DSCR XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110211 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110563 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income per guidelines | XXX: CRSE |  | XXX: Received | XXX | FICO XXX, DSCR XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110390 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110294 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for borrowing entity: XXX | XXX: Operating |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110328 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110398 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income per guidelines | XXX: CRSE |  | XXX: CRSE | XXX | FICO XXX, XXX, months reserves XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110332 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110281 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110347 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Missing or Defective | Appraisal XXX a monthly XXX fee of XXX and other dues in file show XXX. Please provide additional documentation to support the XXX in dues. | XXX: HOA |  | XXX: Received<br> XXX:XXX sheet reflects total XXX dues on page #XXX of loan file. Appraisal notes monthly XXX fee of $XXX + a recurring fee of $XXX quarterly | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110231 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110383 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110028 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Zoning Non-compliance | XXX description on appraisal indicates XXX which is not allowed per guidelines. Please XXX. | XXX: Waived XXX |  | XXX: Received | XXX | FICO XXX, LTV XXX%, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110341 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110357 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110379 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Prepayment Penalty is not allowed per guidelines. For the state of XXX the max prepayment is XXX% for XXX year, XXX% for XXX year and XXX% for XXX year. The XXX in file XXX% for XXX months which is not allowed per guidelines. | XXX: PPP |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110035 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110391 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110323 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110287 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110349 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110303 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income per guidelines | XXX: Waived |  | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110415 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110240 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110380 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110422 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110351 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110416 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property: XXX | XXX: Field Review |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110394 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110327 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110361 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110129 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110340 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110136 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > XXX% max allowed for on XXX | XXX: CRSE |  | XXX: Received | XXX | FICO XXX, LTV XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110378 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110034 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110471 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed when using XXX for qualifying rental income per guidelines | XXX: CRSE |  | XXX: Received | XXX | FICO XXX, LTV XXX, XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110420 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Missing Closing Protection Letter (XXX) | XXX: CPL |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110420 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | XXX liquidity < XXX minimum liquidity required for XXX months reserves. Please provide updated asset documentation | XXX: Assets |  | XXX: Received | XXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110019 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110367 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110442 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110432 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110373 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110030 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110056 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110230 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110450 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110268 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110393 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110568 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110452 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110571 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XXX: Title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110574 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Missing lease for subject property: XXX | XXX: Used lower market amt of the rent schedule upld. |  | XXX: Using XXX from 1007 provided<br> XXX: Data tape reflects rents of XXX. Market rent on 1007 reflects $XXX. Please XXX. | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110133 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110355 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110430 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110325 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110573 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Missing payoff statement for the release of XXX in the amount of XXX listed on title | XXX: Payoff |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110451 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110449 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Asset Documentation Missing or Defective | Missing XXX months bank statements to use higher of lease amount of XXX | XXX:CRSE |  | XXX: Waived | XXX | FICO XXX, LTV XXX%, XXX months reserves D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110423 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110312 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110411 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110356 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110078 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed for XXX | XXX: CRSE |  | XXX: CRSE | XXX | FICO XXX, XXX months reserves, DSCR XXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110572 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110566 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Note Missing or Defective | Principal and interest payment listed on the Promissory Note reflects XXX. Principal and interest payment is XXX per closing disclosure. Please XXX. | XXX: Correct note |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110468 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110491 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110381 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110043 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110441 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110440 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110476 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110509 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110477 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110359 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110448 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110455 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110503 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110089 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110478 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110427 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110027 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110457 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110454 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110017 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110407 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110412 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110559 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Credit Report Missing or Defective | Missing Credit Report for XXX : XXX | XXX: Credit |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110038 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110434 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110438 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110039 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | DSCR Minimum Not Met | Audit DSCR of .XXX does not align with client DSCR of XXX. Monthly Breakdown: Income XXX, Taxes XXX, Insurance XXX. 1007 in file reflects XXX. Client tape reflects XXX. Please XXX. | XXX: See LOX. the DSCR is allowable |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110480 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Credit | Excessive LTV Ratio | XXX% LTV > max XXX% LTV allowed for XXX | XXX: CRSE |  | XXX: Waived | XXX | FICO XXX, DSCR XXX, XXX months reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110352 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110524 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance missing or Defective | Provided XXX is a XXX with no coverage amount or mortgagee clause. Please provide a title supplement or updated title insurance to meet guideline requirements. | XXX: Title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110486 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110090 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110460 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110499 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets to Close | XXX liquidity < XXX cash to close and XXX months reserves required. Please provide updated asset documentation. | XXX: Gift funds |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110519 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. Monthly Breakdown: Income XXX, Insurance XXX, Taxes XXX. Lease in file reflects $XXX. Client tape reflects 1007 amount of XXX. Insurance reflects XXX. Client closing disclosure reflects XXX. Please XXX. | XXX: New DSCR |  | 20250903: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110453 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110318 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Subject Property Lease - Missing or Defective | Missing XXX months rent receipts to utilize higher lease rent of XXX. Only XXX months rent has been provided | XXX: Rent |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110533 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Subject Property Lease - Missing or Defective | Lease in file reflects XXX monthly rent. Tape reflects XXX as qualifying rent. Please XXX | XXX: CRSE |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110439 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110504 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | XXX liquidity < XXX cash to close and XXX months reserves required. Please provide updated asset documentation. XXX is as follows: XXX% of XXX XXX and #XXX which is (XXX), and account #XXX which is XXX, for a total of XXX | XXX: Bank account |  | 20250909: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110483 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110414 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110575 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Commitment Title Schedule A is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: title |  | XXX: Received | XXX | C B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110535 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Insufficient Assets for Reserves | Please provide translated asset documentation. The bank statements are not in XXX nor converted to the XXX. Last XXX digits for bank account reflected on the loan application do not align with last XXX digits for accounts in file. Audited reserves of XXX month(s) are less than guideline required reserves of XXX month(s) for XXX. | XXX: Bank statement |  | XXX: Resolved | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110501 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110482 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110575 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | XXX | Property | Ineligible Property – Square Footage | XXX square feet < XXX minimum required square feet XXX. | XXX: Waiver in file |  | XXX: Waiver in file | XXX | FICO XXX, DSCR XXX, months XXX reserves B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 2025110036 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110433 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110525 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110535 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX Monthly Breakdown: Income XXX, Insurance XXX, Taxes XXX. Please XXX | XXX: Breakdown |  | XXX: Resolved | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110498 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110518 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property : XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110401 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Closing Protection Letter Missing or Defective | Closing Protection Letter is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: CPL |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110132 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110436 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110526 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Title Insurance Missing or Defective | Commitment Title Schedule A is missing mortgagee clause after lender's name. Please provide updated XXX with XXX verbiage. | XXX: Title |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110527 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110048 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110541 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110489 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110047 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110363 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing appraisal review for subject property : XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110463 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110490 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110321 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110544 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110528 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110537 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110529 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110530 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110534 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110487 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110536 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110539 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110531 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110346 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110517 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110532 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Active | XXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110045 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Active | XXX | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110046 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110497 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Property | Appraisal Review - Missing | Missing Appraisal Review for subject property: XXX | XXX: CDA |  | XXX: Received | XXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110044 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110239 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110042 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110538 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110496 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110399 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110399 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110543 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110540 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110540 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110540 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | XXX Compliant; Informational Only | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110522 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110522 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110522 |  | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | XXX | Resolved | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | XXX | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 2025110622 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Borrower was qualified using a monthly income of XXX, which does not match the XXXreflected on the final loan application or final 1008. Please provide an updated loan application reflecting the correct income of XXX used in qualification. |  |  | The Final 1003 is Present; Document Uploaded. | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110622 | XXX | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Loan Review Complete | XXX | Resolved | XXX | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 2025110054 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | Credit | Minimum Credit Score Requirement Not Met | Credit report has only 1 credit score which is ineligible per guidelines. 2 credit scores minimum required | XXX: Credit report |  | XXX: Received | XXX | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110055 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110065 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110075 |  | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | XXX | No Findings | No Findings | The loan meets all applicable guidelines | XXX: Clear |  | XXX: Clear | XXX | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.13

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.13**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 2025110050 |  |  | XXX A | A | A | A | A | A D | A | A | A | A | A |
| 2025110004 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025110068 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110005 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110073 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110081 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110553 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110556 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025110551 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110018 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110142 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110173 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025110177 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110182 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110097 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110118 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110154 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110204 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110010 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110157 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110161 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110223 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110106 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110256 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110198 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110557 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110233 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110138 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110123 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110175 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110163 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110560 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110217 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110146 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110174 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110164 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2025110137 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110207 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A |
| 2025110125 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110218 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110209 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A B |
| 2025110114 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110020 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110159 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110149 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110187 |  |  | XXX D | D | D | D | D | D A | A | A | A | A | A |
| 2025110547 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110153 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110003 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110015 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110130 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110022 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2025110156 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110237 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025110121 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110088 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110194 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110023 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110101 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110213 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110234 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025110232 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110216 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A |
| 2025110122 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110131 |  |  | XXX B | C | C | C | C | C A B | B | B | B | B | B A |
| 2025110226 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110214 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110117 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025110009 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110140 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110134 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110069 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2025110098 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110124 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110250 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110184 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110179 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110330 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110151 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110221 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110272 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110188 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110306 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110241 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110170 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110181 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110199 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110291 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110109 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110066 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025110147 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110289 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110366 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110273 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110280 |  |  | XXX A | B | B | B | B | B C A | A | A | A | A | A B |
| 2025110252 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110558 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110245 |  |  | XXX D | D | D | D | D | D A | A | A | A | A | A |
| 2025110248 |  |  | XXX D | A | A | A | A | A C D | A | A | A | A | A |
| 2025110257 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110338 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025110145 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110162 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110238 |  |  | XXX B | A | A | A | A | A C | A | A | A | A | A |
| 2025110200 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110113 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110144 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110255 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110277 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110197 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110546 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025110176 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110244 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110372 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110266 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110126 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110212 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110127 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110235 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025110192 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110311 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110389 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110148 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110222 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110025 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110271 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110275 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025110007 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110284 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110333 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110014 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110052 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110297 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110569 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110350 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110269 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110342 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110406 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110334 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110155 |  |  | XXX A | A | A | A | A | A D | A | A | A | A | A B |
| 2025110388 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110158 |  |  | XXX B | B | B | B | B | B A | A | A | A | A | A |
| 2025110324 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025110160 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110057 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110290 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110191 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110053 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2025110309 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110335 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110431 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110387 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110403 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025110364 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110362 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110029 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110353 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110285 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110267 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110562 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110374 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110116 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110112 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110251 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110274 |  |  | XXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 2025110550 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110564 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110315 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110337 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110365 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110419 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110021 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025110545 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110336 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110024 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110425 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110360 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110313 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110417 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110392 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110079 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025110376 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110429 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110300 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025110286 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110316 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110402 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110354 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110259 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110371 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110396 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110206 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110172 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110370 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110400 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110329 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110002 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110384 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110424 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110368 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A |
| 2025110258 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025110293 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110428 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110326 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110405 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110070 |  |  | XXX A | C | C | C | C | C A | A | A | A | A | A |
| 2025110031 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110385 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110339 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110409 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110472 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110395 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110443 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110195 |  |  | XXX C | B | B | B | B | B A C | A | A | A | A | A B |
| 2025110033 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110307 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110063 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2025110397 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110375 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110474 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110466 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025110344 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110479 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110051 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110369 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110469 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110418 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A B |
| 2025110570 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110016 |  |  | XXX D | C | C | C | C | C A D B | A | A | A | A | A B |
| 2025110520 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110462 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110492 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110500 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110458 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110169 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110493 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025110481 |  |  | XXX D | A | A | A | A | A D B | A | A | A | A | A B |
| 2025110513 |  |  | XXX B | A | A | A | A | A B | A | A | A | A | A |
| 2025110506 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110413 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110445 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110488 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110006 |  |  | XXX D | C | C | C | C | C A D | A | A | A | A | A |
| 2025110386 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110505 |  |  | XXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 2025110461 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110314 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110465 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110475 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110459 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110220 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110494 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110037 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110264 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110437 |  |  | XXX C | C | C | C | C | C A | A | A | A | A | A |
| 2025110421 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110485 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110548 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110542 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110495 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110408 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110467 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110426 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110507 |  |  | XXX D | D | D | D | D | D A | A | A | A | A | A |
| 2025110064 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110382 |  |  | XXX A | C | C | C | C | C A | B | B | B | B | B A |
| 2025110521 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110567 |  |  | XXX A | B | B | B | B | B A | A | A | A | A | A |
| 2025110446 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110001 |  |  | XXX A | A | A | A | A | A C | A | A | A | A | A |
| 2025110484 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110456 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110410 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110292 |  |  | XXX A | D | D | D | D | D A | A | A | A | A | A |
| 2025110470 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110514 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110511 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110444 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110508 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110012 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110502 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110464 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110473 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110447 |  |  | XXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 2025110515 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110435 |  |  | XXX C | A | A | A | A | A C | A | A | A | A | A |
| 2025110040 |  |  | XXX D | B | B | B | B | B A D | A | A | A | A | A |
| 2025110510 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110516 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110041 |  |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110512 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110523 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110049 |  |  | XXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 2025110061 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110552 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110071 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110074 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110549 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110080 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110103 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 2025110554 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110092 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110150 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110180 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110166 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110085 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110100 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110167 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110143 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110210 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110072 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110110 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110076 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110139 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110094 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110091 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110108 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110141 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110249 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110060 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110201 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110279 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110058 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110193 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110096 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110062 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110168 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110082 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110135 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110296 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110219 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110104 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110225 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110299 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110087 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110555 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110171 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110099 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110107 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110128 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110276 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110102 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110013 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110215 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110186 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110343 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110243 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110183 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110115 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110083 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110093 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110111 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110228 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110253 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110283 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110026 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110224 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110302 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110011 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110105 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110227 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110185 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110295 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110084 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110247 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110059 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110229 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110095 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110263 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110077 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2025110301 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110008 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110278 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110317 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110270 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110190 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110319 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110246 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110119 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110254 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110265 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110120 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110067 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110203 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110322 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110086 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110310 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2025110304 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110331 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110260 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110345 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110189 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110208 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110282 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110288 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110165 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110196 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110262 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110236 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110320 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110305 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110261 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110178 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110298 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110242 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110308 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110205 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110358 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110202 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110348 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2025110565 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110377 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110032 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110404 |  |  | XXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 2025110563 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110561 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110152 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110211 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110294 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110281 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110347 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110390 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110328 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110332 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110398 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110231 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110341 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110028 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2025110383 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110357 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110379 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110035 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110323 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110287 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110391 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110380 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110240 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110415 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110349 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110303 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110393 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110394 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110416 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110422 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110361 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110351 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110327 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110471 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110378 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110034 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110129 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110340 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110136 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110030 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110230 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110373 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110268 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110420 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110442 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110450 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110019 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110367 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110432 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110056 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110568 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110133 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110452 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110574 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110571 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110355 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110430 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110325 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110573 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110312 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110451 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110449 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 2025110423 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110566 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110572 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110078 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110411 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110356 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110468 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110491 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110381 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110441 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110440 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110043 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110476 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110455 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110359 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110448 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110509 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110477 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110503 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110089 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110478 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110457 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110412 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110427 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110017 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110027 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110407 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110454 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110559 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110039 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110038 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110438 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110434 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110480 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 2025110524 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110486 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110352 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110090 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110460 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110499 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110519 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110453 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110318 |  |  | XXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110439 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110483 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110414 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110533 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110504 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110575 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 2025110501 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110036 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110535 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110482 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110433 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110525 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110498 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110518 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110401 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110132 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110436 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110526 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110527 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110048 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110541 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110489 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110047 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110363 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110490 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110463 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110528 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110530 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110321 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110544 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110537 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110529 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110487 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110534 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110536 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110539 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110531 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110346 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110044 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110045 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110532 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110046 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110517 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110497 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 2025110239 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110042 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110538 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110496 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110399 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110543 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110540 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110522 |  |  | XXX A | A | A | A | A | A | A | A | A | A | A |
| 2025110622 | XXX |  | XXX D | A | A | A | A | A D | A | A | A | A | A |
| 2025110054 |  |  | XXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 2025110055 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110075 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2025110065 |  |  | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.14

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 2025110050 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Consolidated Analytics | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110004 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2025110068 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 2025110005 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110073 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2025110081 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0626 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.26% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110553 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110556 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025110551 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110018 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110142 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2025110173 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 2025110177 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110182 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110097 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .4627 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 46.27% | XXX | 0.13 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110118 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110154 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110204 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 2025110010 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110157 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110161 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 2025110223 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110106 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025110256 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0031 | 1004 URAR |  |  |  |  | XXX | XXX | .0031 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110198 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 2025110557 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0234 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.34% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2025110233 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2025110138 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0569 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.69% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2025110123 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025110175 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 2025110163 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110560 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2025110217 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110146 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0263 | 1004 URAR |  |  |  |  | XXX | XXX | .0263 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110174 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0004 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.04% | Collateral Desktop Analysis | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110164 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0742 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 7.42% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110137 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110207 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110125 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110218 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0768 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.68% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110209 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110114 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110020 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110159 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110149 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110187 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025110547 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2025110153 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0860 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.60% | XXX | 0.08 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| 2025110003 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110015 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110130 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025110022 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110156 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110237 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110121 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 2025110088 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110194 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0929 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 9.29% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110023 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2025110101 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110213 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0129 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.29% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025110234 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2025110232 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110216 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110122 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2025110131 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0439 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.39% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025110226 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110214 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2025110117 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110009 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 2025110140 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110134 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025110069 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2025110098 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 2025110124 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 2025110250 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025110184 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110179 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110330 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | 1004 URAR |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2025110151 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .1001 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 10.01% | XXX | 0.07 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110221 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110272 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110188 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025110306 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110241 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025110170 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110181 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025110199 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2025110291 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110109 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025110066 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Collateral Desktop Analysis | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110147 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110289 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0260 | 1004 URAR |  |  |  |  | XXX | XXX | .0260 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2025110366 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0364 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110273 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110280 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110252 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110558 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110245 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025110248 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.1263 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -12.63% | XXX | 0.13 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110257 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110338 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 2025110145 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025110162 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025110238 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Consolidated Analytics | Reasonable | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2025110200 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110113 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025110144 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | -.1517 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2025110255 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110277 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110197 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110546 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 2025110176 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025110244 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110372 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2025110266 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110126 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110212 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110127 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110235 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 2025110192 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110311 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110389 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025110148 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110222 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110025 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110271 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110275 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 2025110007 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0038 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025110284 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110333 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110014 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025110052 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110297 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110569 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025110350 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0203 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110269 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0009 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.09% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110342 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110406 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110334 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 2025110155 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 2025110388 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110158 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -19.26% | XXX | 0.11 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110324 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110160 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110057 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2025110290 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .1504 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110191 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2025110053 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110309 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110335 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0003 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.03% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110431 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110387 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025110403 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110364 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110362 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110029 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110353 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110285 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110267 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110562 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0732 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.32% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110374 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025110116 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 2025110112 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.96% | XXX | 0.26 | Clear Capital | CA Value Express AVM | XXX | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025110251 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | -.0969 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -9.69% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110274 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110550 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110564 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110315 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110337 |  |  | XXX | XXX | XXX | XXX | XXX |  | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110365 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110419 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2025110021 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110545 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110336 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2025110024 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110425 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  | XXX | XXX | -.0171 | AVM |  |  |  |  |  | XXX | XXX | -1.71% | XXX | 0.1 | Collateral Analytics | CA IAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110360 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110313 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0607 | AVM |  |  |  |  | XXX | XXX | .0100 | XXX | 1004 URAR | XXX | XXX | -6.07% | XXX | 0.07 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025110417 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110392 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0645 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.45% | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110079 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110376 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 2025110429 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0354 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.54% | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110300 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110286 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2025110316 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110402 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 2025110354 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 2025110259 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110371 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110396 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110206 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0170 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.70% | XXX | 0.05 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025110172 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0037 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.37% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110370 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0287 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.87% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2025110400 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110329 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110002 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 2025110384 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 2025110424 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025110368 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110258 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110293 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0206 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.06% | XXX | 0.02 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025110428 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110326 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025110405 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110070 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110031 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110385 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 2025110339 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110409 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110472 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110395 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110443 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110195 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110033 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110307 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0001 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.01% | XXX | 0.04 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025110063 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110397 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0966 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -9.66% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110375 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110474 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025110466 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110344 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110479 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110051 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110369 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110469 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110418 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110016 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025110520 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110462 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 2025110492 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110500 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110458 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110169 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110493 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110481 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110513 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0122 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.22% | XXX | 0.1 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2025110506 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110413 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110445 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 2025110488 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 2025110006 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2025110386 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110505 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110461 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110314 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 2025110465 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 2025110475 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110459 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110220 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 2025110494 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110037 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110264 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 2025110437 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110421 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 2025110485 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 2025110548 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110542 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110495 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110408 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 2025110467 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 2025110426 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110507 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110064 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0500 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110382 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2025110521 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .1192 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | 11.92% | XXX | 0.17 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025110567 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110446 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 2025110001 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 2025110484 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0414 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.14% | XXX | 0.03 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025110456 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110410 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110292 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 2025110470 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110514 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | -.0200 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.00% | XXX | 0.06 | Clear Capital | ClearAVM | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2025110511 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -24.60% | XXX | 0.13 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 2025110444 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110508 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2025110012 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110502 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110464 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025110473 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110447 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | .0024 | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110515 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110435 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110040 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 2025110510 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110516 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 2025110041 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110512 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -32.13% | XXX | 0.24 | Clear Capital | ClearAVM | XXX | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 2025110523 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 2025110570 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110049 |  |  |  | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2025110061 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110552 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110071 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110074 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.38% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110549 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110080 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110103 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.76% | XXX | 7% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110554 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.91% | XXX | 2% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110092 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110150 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110180 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110166 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110085 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110100 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110167 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110143 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110210 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110072 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110110 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.64% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110076 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110139 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110094 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110091 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110108 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.60% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110141 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110249 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110060 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110201 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110279 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110058 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110193 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110096 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110062 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110168 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110082 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110135 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110296 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110219 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025110104 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110225 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110299 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110087 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110555 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110171 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110099 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110107 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110128 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110276 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.07% | XXX | 7% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110102 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110013 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110215 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110186 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110343 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.27% | XXX | 8% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110243 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110183 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110115 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025110083 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110093 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110111 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110228 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110253 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110283 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110026 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110224 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.01% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110302 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110011 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110105 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110227 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110185 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110295 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110084 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110247 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110059 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110229 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025110095 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110263 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110077 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110301 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025110008 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110278 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110317 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110270 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110190 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110319 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.05% | XXX | 8% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110246 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | n/a |  |
| 2025110119 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 7.85% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110254 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110265 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.60% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110120 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110067 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110203 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110322 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110086 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110310 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110304 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110331 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110260 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110345 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110189 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110208 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110282 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110288 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110165 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110196 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110262 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110236 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.77% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110320 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.5 |  |
| 2025110305 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110261 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110178 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -3.54% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110298 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110242 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110308 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110205 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.4 |  |
| 2025110358 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110202 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110348 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110565 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110377 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110032 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110404 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110563 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110561 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110152 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110211 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110294 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110281 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110347 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110390 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110328 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110332 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110398 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -4.19% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110231 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110341 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110028 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110383 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110357 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110379 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110035 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110323 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110287 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110391 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110380 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110240 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110415 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110349 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110303 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025110393 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110394 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.08% | XXX | 8% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110416 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110422 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110361 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110351 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110327 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110471 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110378 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.32% | XXX | 2% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110034 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110129 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Not Eligible | 4.5 |  |
| 2025110340 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 2025110136 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110030 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025110230 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110373 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.05% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110268 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110420 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025110442 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110450 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110019 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110367 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110432 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110056 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110568 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110133 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110452 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110574 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110571 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110355 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110430 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110325 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110573 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110312 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110451 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110449 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110423 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110566 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110572 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110078 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.81% | XXX | 6% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110411 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110356 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | Form 1025 |  |  | Not Eligible | N/A |  |
| 2025110468 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110491 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110381 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110441 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110440 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 2025110043 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110476 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110455 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110359 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 2025110448 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110509 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110477 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.65% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110503 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110089 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110478 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 2025110457 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.83% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110412 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110427 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110017 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110027 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110407 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110454 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110559 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110039 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 2.5 |  |
| 2025110038 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2025110438 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110434 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110480 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110524 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110486 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110352 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 2025110090 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 3.24% | XXX | 5% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110460 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110499 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 2025110519 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110453 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.5 |  |
| 2025110318 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 2025110439 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110483 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110414 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110533 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110504 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110575 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110501 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 1.35% | XXX | 4% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110036 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110535 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110482 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110433 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.50% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110525 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.76% | XXX | 3% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110498 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110518 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110401 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX | 34.10% | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 2025110132 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110436 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110526 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110527 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110048 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110541 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110489 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110047 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110363 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110490 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 2025110463 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2025110528 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110530 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 2025110321 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0% |  | XXX | URAR Form 1004 Form 70 |  |  | Eligible | 1.1 |  |
| 2025110544 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110537 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110529 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 2025110487 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110534 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110536 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110539 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110531 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 2.54% | XXX | 13% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110346 |  |  | XXX | XXX | XXX |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110044 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110045 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110532 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110046 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 2025110517 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2025110497 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110239 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110042 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 2025110538 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 2025110496 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110399 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2025110543 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 2025110540 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 2025110522 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2025110622 | XXX |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110054 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 2025110055 |  |  | XXX | XXX | XXX |  | XXX | XXX | Form 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -8.77% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110075 |  |  | XXX | XXX |  |  | XXX | XXX | URAR Form 1004 Form 70 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 2025110065 |  |  | XXX | XXX |  |  | XXX | XXX | Form 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |

---

## Exhibit 99.15

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.15**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025110004 | QM Qualifying Total Debt Income Ratio | XXX | XXX | verified funds in file |
| 2025110004 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 2025110068 | Property Type | XXX | XXX |  |
| 2025110068 | Qualifying All Borrower Residual Income | XXX | XXX | Per residual income |
| 2025110005 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to audit using the debt payments from the origination credit report. |
| 2025110005 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to audit using the debt payments from the origination credit report. |
| 2025110073 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per DTI |
| 2025110073 | Qualifying All Borrower Residual Income | XXX | XXX | Per residual income |
| 2025110081 | Application Date | XXX | XXX | per 1003 |
| 2025110081 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at the time of closing |
| 2025110081 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 2025110081 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 2025110553 | Qualifying CLTV | XXX | XXX |  |
| 2025110553 | Qualifying LTV | XXX | XXX |  |
| 2025110553 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the acct balances from the accts listed on the Final 1003. Earnest Money has been verified. |
| 2025110553 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to a minor payment discrepancy with the XXX XXX and using the debt payments of the origination credit report. |
| 2025110553 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110553 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance |
| 2025110556 | Qualifying FICO | XXX | XXX |  |
| 2025110556 | Qualifying All Borrower Residual Income | XXX | XXX | insignificant, due to rounding |
| 2025110551 | Qualifying Total Reserves Number of Months | XXX | XXX | There are no assets listed on the Final 1003. Auditor used sufficient assets documented in the file to cover the funds required for closing. |
| 2025110551 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110551 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110551 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Auditor used the debt payments from the origination credit report. |
| 2025110551 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the re-calculation of income and debts from the origination credit report. |
| 2025110018 | Qualifying FICO | XXX | XXX |  |
| 2025110018 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out only used for assets |
| 2025110018 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110018 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110018 | QM Qualifying Total Debt Income Ratio | XXX | XXX | insignificant variance |
| 2025110018 | Qualifying All Borrower Residual Income | XXX | XXX | insignificant variance |
| 2025110142 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110142 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025110142 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110142 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance-there is a slight variance in negative REO income. |
| 2025110173 | Borrower 1 Origination Experian | XXX | XXX | Per credit report |
| 2025110173 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit Report |
| 2025110173 | Borrower 1 Origination Equifax | XXX | XXX | Per Credit Report |
| 2025110173 | Qualifying LTV | XXX | XXX | Rounding |
| 2025110173 | Qualifying CLTV | XXX | XXX | Rounding |
| 2025110173 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent acct balances from the accts listed on the final 1003. Earnest Money is not verified. |
| 2025110173 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt from the origination credit report and adding HOA of XXX. |
| 2025110173 | Qualifying Total Debt Income Ratio | XXX | XXX | Appears the departure residence PITI may not have been included in the DTI on the 1008 |
| 2025110173 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt from the origination credit report and adding HOA of XXX. |
| 2025110177 | Property Type | XXX | XXX | per appraisal |
| 2025110177 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance |
| 2025110177 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 2025110177 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110177 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110177 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 2025110182 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents in file. |
| 2025110182 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110097 | Qualifying Total Reserves Number of Months | XXX | XXX | The Reserves are based on the remaining funds from the sale of a property which is the only asset listed on the Final 1003. |
| 2025110097 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-the lender added in the property that was sold prior to closing. |
| 2025110097 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110097 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance the lender added in the property that was sold prior to closing. |
| 2025110118 | Qualifying All Borrower Residual Income | XXX | XXX | no variance |
| 2025110154 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110204 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110204 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110204 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110204 | QM Qualifying Total Debt Income Ratio | XXX | XXX | minor variance |
| 2025110204 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance |
| 2025110010 | Initial Monthly P&I Or IO Payment | XXX | XXX |  |
| 2025110010 | Property Type | XXX | XXX |  |
| 2025110010 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110010 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110010 | QM Qualifying Total Debt Income Ratio | XXX | XXX | PITIA on mortgage statement is more than lender used to qualfiy |
| 2025110010 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110010 | Qualifying All Borrower Residual Income | XXX | XXX | PITIA on mortgage statement is more than lender used to qualfiy |
| 2025110157 | Application Date | XXX | XXX | Creditor received application on XXX. Originator signed application on XXX. |
| 2025110157 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents in file. |
| 2025110157 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110157 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Rounding. 1008 DI is XXX%. |
| 2025110157 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110161 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2025110223 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110106 | Cash Disbursement Date | XXX | XXX | Disbursement date pulled from CD. |
| 2025110106 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves variance is due to gift funds already being deposited to acct vs. not received. Gift funds can also not be used to meet reserve requirements. |
| 2025110106 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110106 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance-there is a slight variance to the investment property negative rental income and audit used the debt payments from the origination credit report. |
| 2025110106 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance there is a slight variance to the investment property negative rental income and audit used the debt payments from the origination credit report. |
| 2025110256 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110256 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Used original credit |
| 2025110256 | Qualifying All Borrower Residual Income | XXX | XXX | Used original credit |
| 2025110198 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 2025110198 | Qualifying All Borrower Residual Income | XXX | XXX | Difference of $XXX cents |
| 2025110557 | Qualifying Total Reserves Number of Months | XXX | XXX | Per Asset verification in file and listed on the Final 1003. |
| 2025110557 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110557 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Used debt payments from the origination credit report. |
| 2025110557 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110557 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025110233 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110233 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Lender included Auth User / XXX for B2 into DTI |
| 2025110233 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110233 | Qualifying All Borrower Residual Income | XXX | XXX | Lender included Auth User / XXX for B2 into DTI |
| 2025110138 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Audit used the debt payments from the origination credit report. XXX is Paid off pg XXX. XXX is paid off pg XXX. |
| 2025110138 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110138 | Qualifying All Borrower Residual Income | XXX | XXX | Audit used the debt payments of the origination credit report. XXX is paid off pg XXX. |
| 2025110123 | Qualifying All Borrower Residual Income | XXX | XXX | minimal difference/cents |
| 2025110175 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents in file. |
| 2025110175 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110175 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110163 | Qualifying Total Reserves Number of Months | XXX | XXX | Within tolerance |
| 2025110163 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110163 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110163 | Qualifying All Borrower Residual Income | XXX | XXX | Within tolerance |
| 2025110560 | Property City | XXX | XXX | City name is from Note. |
| 2025110560 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent balances from the accts listed on the final 1003. Using XXX% of the business acct (borrower owns XXX% of business) and earnest money is verified. |
| 2025110560 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the actual PITI for the primary, actual net rent income and debt from the origination credit report. There is a .XXX cent variance in income calculation. |
| 2025110560 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110560 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the actual PITI for the primary, actual net rent income and debt from the origination credit report. There is a .XXX cent variance in income calculation. |
| 2025110217 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110217 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110146 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank acct statements from the accts listed on the Final 1003. Earnest Money is verified. |
| 2025110146 | QM Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments per broker credit report |
| 2025110146 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110146 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations and debt from the origination credit report. |
| 2025110164 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank stateement balances from the acct listed on the F1003. |
| 2025110137 | Borrower 2 Origination Equifax | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Borrower 2 Origination TransUnion | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Borrower 2 Origination Experian | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Borrower 1 Origination TransUnion | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Borrower 1 Origination Experian | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Borrower 1 Origination Equifax | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Qualifying FICO | XXX | XXX | Credit score per credit report dated XXX. |
| 2025110137 | Property Type | XXX | XXX | Per appraisal |
| 2025110137 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the most recent acct statement balances from the accounts listed on the Final 1003. |
| 2025110137 | Qualifying Total Debt Income Ratio | XXX | XXX | Asset qualifier loan, DTI is n/a. |
| 2025110137 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Asset qualification loan no income verification required |
| 2025110137 | Qualifying Housing Debt Income Ratio | XXX | XXX | Asset qualifyier loan. |
| 2025110137 | Qualifying All Borrower Residual Income | XXX | XXX | Asset qualification loan no income verification required. |
| 2025110207 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets listed on the F1003 are verified. |
| 2025110207 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025110207 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender rounded figures to the nearest dollar which created a slight variance. |
| 2025110207 | Qualifying All Borrower Residual Income | XXX | XXX | Lender rounded figures to the nearest dollar which created a slight variance. |
| 2025110125 | Borrower 1 Origination Equifax | XXX | XXX | Equifax score is XXX on origination credit report. |
| 2025110125 | Borrower 1 Origination TransUnion | XXX | XXX | XXX score is XXX on origination credit report. |
| 2025110125 | Borrower 1 Origination Experian | XXX | XXX | Equifax score is XXX on the origination credit report. |
| 2025110125 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110218 | Qualifying Total Debt Income Ratio | XXX | XXX | Credit debts taken from broker credit report |
| 2025110218 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Credit debts taken from broker credit report |
| 2025110218 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110209 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent acct balances from the acct listed on the Final 1003 with EM verified. |
| 2025110209 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Variance in P&I calculation in XXX |
| 2025110209 | Qualifying Total Debt Income Ratio | XXX | XXX | . |
| 2025110209 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110114 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets / reserves not required |
| 2025110114 | QM Qualifying Total Debt Income Ratio | XXX | XXX | Per broker credit report |
| 2025110114 | Qualifying Total Debt Income Ratio | XXX | XXX | Per broker credit report |
| 2025110114 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110020 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the most recent bank statement balances from the accts listed on the F1003. |
| 2025110020 | Qualifying Housing Debt Income Ratio | XXX | XXX | difference in income calculation |
| 2025110020 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in income calculation |
| 2025110020 | Qualifying All Borrower Residual Income | XXX | XXX | Based on the lower calculated income. |
| 2025110159 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the most recent acct balances from the accts listed on the F1003. |
| 2025110159 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and XXX |
| 2025110159 | Qualifying All Borrower Residual Income | XXX | XXX | Per income docs and XXX |
| 2025110187 | Borrower 2 Origination TransUnion | XXX | XXX | Confirmed with credit report in file |
| 2025110187 | Borrower 2 Origination Experian | XXX | XXX | Confirmed with credit report in file |
| 2025110187 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with assets in file |
| 2025110187 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with income and liabilities |
| 2025110547 | Qualifying FICO | XXX | XXX | XXX is high score. |
| 2025110547 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents. |
| 2025110547 | Qualifying Housing Debt Income Ratio | XXX | XXX | True data matches 1008 (page 880). |
| 2025110547 | Qualifying Total Debt Income Ratio | XXX | XXX | Small variance is debt. |
| 2025110547 | Qualifying All Borrower Residual Income | XXX | XXX | Small variance is debt. |
| 2025110153 | Property Type | XXX | XXX | XXX |
| 2025110153 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets |
| 2025110153 | Qualifying Total Debt Income Ratio | XXX | XXX | Missing proof of co-mortgage debt per lenders 1008 |
| 2025110153 | Qualifying Housing Debt Income Ratio | XXX | XXX | Missing proof of co-mortgage debt per lenders 1008 |
| 2025110153 | Qualifying All Borrower Residual Income | XXX | XXX | Used broker credit |
| 2025110003 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit reserves are based on the most recent balances from the XXX accts listed on the Final 1003 w/earnest money verified. |
| 2025110003 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance between Lender's qualifying debt and Audit debt. Lender used $XXX for XXX, however, current statement reflected $XXX. |
| 2025110003 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance-Lender used $XXX for XXX, however, current statement reflected $XXX. |
| 2025110015 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. |
| 2025110015 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt payments from origination credit report. |
| 2025110015 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt payments from origination credit report. |
| 2025110022 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110022 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per original credit report |
| 2025110022 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income calculations |
| 2025110022 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110156 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the XXX most recent bank statement balances listed on the Final 1003. |
| 2025110156 | Qualifying Total Debt Income Ratio | XXX | XXX | Used brokers credit and using taxes from tax cert and title |
| 2025110156 | Qualifying Housing Debt Income Ratio | XXX | XXX | Used brokers credit and using taxes from tax cert and title |
| 2025110156 | Qualifying All Borrower Residual Income | XXX | XXX | Used brokers credit and using taxes from tax cert and title |
| 2025110237 | Qualifying Housing Debt Income Ratio | XXX | XXX | borrower lives rent free, $XXX housing expense |
| 2025110237 | Qualifying Total Debt Income Ratio | XXX | XXX | calculated rental incomes both XXX and Schedule E methods. Unable to match lenders findings. |
| 2025110237 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110237 | Qualifying All Borrower Residual Income | XXX | XXX | calculated rental incomes both XXX and Schedule E methods. Unable to match lenders findings. |
| 2025110121 | Qualifying Housing Debt Income Ratio | XXX | XXX | Per note and income |
| 2025110121 | Qualifying Total Debt Income Ratio | XXX | XXX | Per XXX and income |
| 2025110121 | Qualifying All Borrower Residual Income | XXX | XXX | Per income docs |
| 2025110088 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing with XXX verified. |
| 2025110088 | Qualifying Total Debt Income Ratio | XXX | XXX | $XXX variance between the brokers' XXX and the lenders' XXX resulted in a .XXX% reduction in the borrower's DTI, which is not significant and does not impact the borrower's ability to qualify. The DTI is still well below the XXX% maximum allowed by guidelines. |
| 2025110088 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110194 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income/credit report |
| 2025110194 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculation |
| 2025110023 | Property Type | XXX | XXX |  |
| 2025110023 | Qualifying Total Debt Income Ratio | XXX | XXX | $XXX variance between Lender consumer debt and Audit. |
| 2025110023 | Qualifying All Borrower Residual Income | XXX | XXX | $XXX variance between Lender consumer debt and Audit. |
| 2025110101 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110101 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110213 | Qualifying Housing Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 2025110213 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 2025110213 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities |
| 2025110234 | Qualifying FICO | XXX | XXX | Per Credit report dated XXX |
| 2025110234 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit report dated XXX |
| 2025110234 | Qualifying Total Reserves Number of Months | XXX | XXX | Within tolerance |
| 2025110234 | Qualifying Housing Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110234 | Qualifying Total Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110234 | Qualifying All Borrower Residual Income | XXX | XXX | Within tolerance |
| 2025110232 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025110232 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110216 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025110122 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report with fewer liabilities and XXX payment for REO property. |
| 2025110122 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report with fewer liabilities. Auditor added in HELOC payment for REO property. |
| 2025110131 | Loan Purpose | XXX | XXX | Home was purchased with cash on XXX |
| 2025110131 | Property Type | XXX | XXX |  |
| 2025110131 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using a slightly different and updated credit report. |
| 2025110131 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using a slightly different and updated credit report. |
| 2025110226 | Qualifying Total Reserves Number of Months | XXX | XXX | Per available assets in file |
| 2025110226 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110214 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110117 | Property Type | XXX | XXX | XXX is correct |
| 2025110117 | Qualifying Total Debt Income Ratio | XXX | XXX | housing payment PITIA confirmed, verified. Lender did not include HOA fees |
| 2025110117 | Qualifying Housing Debt Income Ratio | XXX | XXX | housing payment PITIA confirmed, verified. Lender did not include HOA fees |
| 2025110117 | Qualifying All Borrower Residual Income | XXX | XXX | housing payment PITIA confirmed, verified. Lender did not include HOA fees |
| 2025110009 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on asset documents in file. |
| 2025110009 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110140 | Qualifying Total Reserves Number of Months | XXX | XXX | Tape reserves amount is based on IO payment. |
| 2025110140 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between Broker and Lender credit report. |
| 2025110140 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between Broker and Lender credit report. |
| 2025110134 | Borrower 1 Origination Experian | XXX | XXX | Per broker credit report |
| 2025110134 | Borrower 1 Origination TransUnion | XXX | XXX | Per broker credit report |
| 2025110134 | Borrower 1 Origination Equifax | XXX | XXX | Per broker credit report |
| 2025110134 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110134 | Qualifying Total Debt Income Ratio | XXX | XXX | Per broker credit report |
| 2025110134 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110069 | Borrower 1 Origination Equifax | XXX | XXX | n |
| 2025110069 | Borrower 1 Origination TransUnion | XXX | XXX | n |
| 2025110069 | Borrower 1 Origination Experian | XXX | XXX | n |
| 2025110069 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 2025110069 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025110069 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 2025110069 | Qualifying All Borrower Residual Income | XXX | XXX | A difference of $XXX dollars |
| 2025110098 | Qualifying Total Debt Income Ratio | XXX | XXX | Used original credit report |
| 2025110098 | Qualifying All Borrower Residual Income | XXX | XXX | Used original credit report |
| 2025110124 | Borrower 1 Origination TransUnion | XXX | XXX | Tape data is borrower XXX score |
| 2025110124 | Borrower 1 Origination Equifax | XXX | XXX | Tape data is borrower XXX score |
| 2025110124 | Borrower 1 Origination Experian | XXX | XXX | Tape data is borrower XXX score |
| 2025110124 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly PITI payment from investment property |
| 2025110124 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly PITI payment from investment property |
| 2025110250 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110184 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110184 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110179 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110179 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110330 | Qualifying Total Reserves Number of Months | XXX | XXX | Down payment was not sourced (XXX) |
| 2025110330 | Qualifying Total Debt Income Ratio | XXX | XXX | Used original credit report |
| 2025110330 | Qualifying All Borrower Residual Income | XXX | XXX | Used original credit report |
| 2025110151 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used XXX accounts ending in XXX but only one account in file with that account number, also used initial credit |
| 2025110151 | Qualifying Total Debt Income Ratio | XXX | XXX | Used initial credit for calculation |
| 2025110151 | Qualifying All Borrower Residual Income | XXX | XXX | Used initial credit for calculation |
| 2025110221 | Qualifying Total Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110221 | Qualifying All Borrower Residual Income | XXX | XXX | Within tolerance |
| 2025110272 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 2025110272 | Qualifying All Borrower Residual Income | XXX | XXX | Difference of $XXX cents |
| 2025110188 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025110188 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025110306 | Qualifying CLTV | XXX | XXX | Rounding |
| 2025110306 | Qualifying LTV | XXX | XXX | Rounding |
| 2025110306 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated from assets in file |
| 2025110306 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in monthly liabilities |
| 2025110306 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in monthly liabilities |
| 2025110241 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110170 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out only used as asset as shown on 1008 |
| 2025110170 | Qualifying Total Debt Income Ratio | XXX | XXX | 1003 indicates that XXX is the primary address, XXX is a 2nd home. LOX from the borrower says that they still live in XXX. No rental offset provided for either address, nor is the income documented for the XXX property. <br>|
| 2025110170 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110170 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110170 | Qualifying All Borrower Residual Income | XXX | XXX | 1003 indicates that XXX is the primary address, XXX is a 2nd home. LOX from the borrower says that they still live in XXX. No rental offset provided for either address, nor is the income documented for the XXX property. <br>|
| 2025110181 | Cash Disbursement Date | XXX | XXX | XXX is Correct |
| 2025110181 | Property Type | XXX | XXX | XXX is correct |
| 2025110181 | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounded. |
| 2025110199 | Qualifying Total Reserves Number of Months | XXX | XXX | Audit reserves are based on the verified assets in file and earnest money is verified. |
| 2025110199 | Qualifying Total Debt Income Ratio | XXX | XXX | The DTI exceeds the Guideline DTI of XXX% due to the lender not adding XXX% many of the outstanding Student loan payments and the XXX payment was not added. |
| 2025110199 | Qualifying All Borrower Residual Income | XXX | XXX | The DTI exceeds the Guideline DTI of XXX% due to the lender not adding XXX% many of the outstanding Student loan payments and the XXX payment was not added. |
| 2025110291 | Property Type | XXX | XXX | As per XXX rider |
| 2025110291 | Qualifying Total Debt Income Ratio | XXX | XXX | Per credit |
| 2025110291 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110109 | Borrower 1 Origination Equifax | XXX | XXX | Per Credit Report |
| 2025110109 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit Report |
| 2025110109 | Borrower 1 Origination Experian | XXX | XXX | Per Credit Report |
| 2025110109 | Qualifying Total Reserves Number of Months | XXX | XXX | Within tolernace |
| 2025110109 | Qualifying All Borrower Residual Income | XXX | XXX | Within tolerance |
| 2025110066 | Borrower 2 Origination TransUnion | XXX | XXX | Per original credit report |
| 2025110066 | Borrower 1 Origination Equifax | XXX | XXX | Per original credit report |
| 2025110066 | Borrower 2 Origination Experian | XXX | XXX | Per original credit report |
| 2025110066 | Borrower 1 Origination Experian | XXX | XXX | Per original credit report |
| 2025110066 | Borrower 2 Origination Equifax | XXX | XXX | Per original credit report |
| 2025110066 | Borrower 1 Origination TransUnion | XXX | XXX | Per original credit report |
| 2025110066 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110147 | Qualifying Total Debt Income Ratio | XXX | XXX | Monthly taxes lower than what lender used |
| 2025110147 | Qualifying Housing Debt Income Ratio | XXX | XXX | Monthly taxes lower than what lender used |
| 2025110147 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110289 | Qualifying Total Debt Income Ratio | XXX | XXX | Per original credit report |
| 2025110289 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110366 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified the most recent acct balance from the acct listed on the Final 1003 and XXX is also verified. |
| 2025110366 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using the debt payments from the origination credit report. |
| 2025110366 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025110273 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent months bank statement balances from the accts listed on the Final 1003. EM is verified. |
| 2025110273 | Qualifying Total Debt Income Ratio | XXX | XXX | Auditor used the debt from the origination credit report. |
| 2025110273 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025110273 | Qualifying All Borrower Residual Income | XXX | XXX | Auditor used the debt from the origination credit report. |
| 2025110280 | Property Type | XXX | XXX |  |
| 2025110280 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110558 | Application Date | XXX | XXX |  |
| 2025110558 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent acct balance from the acct listed on the final 1003 w/EM verified. |
| 2025110558 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments from the origination credit report. |
| 2025110558 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using the XXX from the Note, taxes from XXX Prp Search, ins from both policies and HOA from appraisal. |
| 2025110558 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt payments from the origination credit report. |
| 2025110245 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025110248 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the cash-out amount at closing. |
| 2025110248 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments from the origination credit report and there is a variance in the HOA payment. |
| 2025110248 | Qualifying Housing Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments from the origination credit report and there is a variance in the HOA payment. |
| 2025110248 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt payments from the origination credit report and there is a variance in the HOA payment. |
| 2025110257 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110257 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110338 | Qualifying Total Reserves Number of Months | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports, and variance between Audit and Lender's property insurance amounts. |
| 2025110338 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports, and variance between Audit and Lender's property insurance amounts. |
| 2025110338 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports, and variance between Audit and Lender's property insurance amounts. |
| 2025110338 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports, and variance between Audit and Lender's property insurance amounts. |
| 2025110145 | Qualifying Total Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025110145 | Qualifying All Borrower Residual Income | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025110162 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with assets in file |
| 2025110238 | Borrower 1 Origination Experian | XXX | XXX | Confirmed with origination credit report |
| 2025110238 | Borrower 1 Origination Equifax | XXX | XXX | Confirmed with origination credit report |
| 2025110238 | Borrower 1 Origination TransUnion | XXX | XXX | Confirmed with origination credit report |
| 2025110238 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with assets provided |
| 2025110238 | Qualifying All Borrower Residual Income | XXX | XXX | Tape data missing cents |
| 2025110200 | Borrower 1 Origination TransUnion | XXX | XXX | data entry is correct, only XXX credit report in file |
| 2025110200 | Borrower 1 Origination Equifax | XXX | XXX | data entry is correct, only XXX credit report in file |
| 2025110200 | Borrower 2 Origination Experian | XXX | XXX | data entry is correct, only XXX credit report in file |
| 2025110200 | Borrower 1 Origination Experian | XXX | XXX | data entry is correct, only XXX credit report in file |
| 2025110200 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI Variance is based on the verified income and debt payments reported on the origination credit report with XXX acct being paid at closing and XXX installment with less than XXX payments being excluded. |
| 2025110200 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the verified income and debt payments reported on the origination credit report with XXX acct being paid at closing and XXX installment with less than XXX payments being excluded. |
| 2025110113 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025110113 | Qualifying Total Debt Income Ratio | XXX | XXX | lender v broker credit report |
| 2025110113 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025110113 | Qualifying All Borrower Residual Income | XXX | XXX | lender v broker credit report |
| 2025110144 | Qualifying FICO | XXX | XXX | mid score, primary wage earner |
| 2025110144 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110144 | Qualifying Total Debt Income Ratio | XXX | XXX | reviewer calculations did not agree XXX% with lender, findings within guidelines. |
| 2025110144 | Qualifying Housing Debt Income Ratio | XXX | XXX | Recalculated income, rental income and using the debt from the origination credit report. |
| 2025110144 | Qualifying All Borrower Residual Income | XXX | XXX | Recalculated income,, rental income and using the debt from the origination credit report.  |
| 2025110255 | Qualifying Total Reserves Number of Months | XXX | XXX | Within tolerance |
| 2025110255 | Qualifying Total Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110255 | Qualifying Housing Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110255 | Qualifying All Borrower Residual Income | XXX | XXX | Auto calculates |
| 2025110277 | Property Type | XXX | XXX |  |
| 2025110277 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the verified asset. Gift funds are not documented. |
| 2025110277 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt payments of the origination credit report. |
| 2025110277 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt payments of the origination credit report. |
| 2025110197 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender CBR |
| 2025110197 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender CBR |
| 2025110197 | Borrower 1 Origination Experian | XXX | XXX | broker v lender CBR |
| 2025110197 | Qualifying Total Reserves Number of Months | XXX | XXX | same |
| 2025110197 | Qualifying Housing Debt Income Ratio | XXX | XXX | reviewer income exceeds what lender used to qualify |
| 2025110197 | Qualifying Total Debt Income Ratio | XXX | XXX | reviewer income exceeds what lender used to qualify |
| 2025110197 | Qualifying All Borrower Residual Income | XXX | XXX | reviewer income exceeds what lender used to qualify |
| 2025110546 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025110546 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025110546 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets docs in file. |
| 2025110546 | Qualifying Total Debt Income Ratio | XXX | XXX | 1008 DTI is XXX%. Discrepancy between Audit and 1008 amount due to discrepancy in actual consumer debt total versus Lender's amount. |
| 2025110546 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit amount matches 1008. |
| 2025110546 | Qualifying All Borrower Residual Income | XXX | XXX | Audit amount matches Credit Risk Summary & Exception Approval. |
| 2025110176 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit Report |
| 2025110176 | Borrower 1 Origination Experian | XXX | XXX | Per Credit Report |
| 2025110176 | Qualifying FICO | XXX | XXX | Per Mid score on credit report provided |
| 2025110176 | Borrower 1 Origination Equifax | XXX | XXX | Per Credit Report |
| 2025110176 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation provided |
| 2025110176 | Qualifying Housing Debt Income Ratio | XXX | XXX | Within tolerance |
| 2025110176 | Qualifying Total Debt Income Ratio | XXX | XXX | Higher Taxes and Insurance calculated for REO property |
| 2025110176 | Qualifying All Borrower Residual Income | XXX | XXX | Per calculated Residual Income |
| 2025110244 | Borrower 1 Origination Experian | XXX | XXX | Score from AO report, matches CRSE. |
| 2025110244 | Borrower 1 Origination TransUnion | XXX | XXX | Score from AO report, matches CRSE. |
| 2025110244 | Borrower 1 Origination Equifax | XXX | XXX | Score from AO report, matches CRSE. |
| 2025110372 | Property Type | XXX | XXX |  |
| 2025110372 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110372 | Qualifying Housing Debt Income Ratio | XXX | XXX | lender income calc $XXX/mom reviewer $XXX/mo |
| 2025110372 | Qualifying Total Debt Income Ratio | XXX | XXX | lender income calc $XXX/mom reviewer $XXX/mo. plus lender v broker CBR changes |
| 2025110372 | Qualifying All Borrower Residual Income | XXX | XXX | lender income calc $XXX/mom reviewer $XXX/mo |
| 2025110266 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker calculated slightly higher debt. |
| 2025110266 | Qualifying All Borrower Residual Income | XXX | XXX | Broker calculated slightly higher debt. |
| 2025110126 | Borrower 1 Origination Experian | XXX | XXX | Missing origination credit report. |
| 2025110126 | Borrower 1 Origination Equifax | XXX | XXX | Missing origination credit report. |
| 2025110126 | Borrower 1 Origination TransUnion | XXX | XXX | Missing origination credit report. |
| 2025110126 | Qualifying CLTV | XXX | XXX | Rounding. |
| 2025110126 | Qualifying LTV | XXX | XXX | Rounding. |
| 2025110126 | Qualifying Total Reserves Number of Months | XXX | XXX | Variance due to small discrepancy between Audit subject PITI and Lender's amount. |
| 2025110126 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. |
| 2025110126 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on used by Lender and consumer debt on the XXX-day report. |
| 2025110126 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on used by Lender and consumer debt on the XXX-day report. |
| 2025110127 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in file. |
| 2025110127 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110127 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110235 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker credit report reveals slightly higher debt. |
| 2025110235 | Qualifying All Borrower Residual Income | XXX | XXX | Broker credit report reveals slightly higher debt. |
| 2025110192 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender's verified assets amount includes gift funds of $XXX, which were deposited to escrow. |
| 2025110192 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110192 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110311 | Qualifying All Borrower Residual Income | XXX | XXX | Auto calculated |
| 2025110389 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender updated bank statement and balance decreased. |
| 2025110389 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker credit report had slightly lower debt. |
| 2025110389 | Qualifying All Borrower Residual Income | XXX | XXX | Broker credit report had slightly lower debt. |
| 2025110148 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audited Housing DTI is XXX% which matches the 1008 in file. |
| 2025110148 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025110148 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report.<br> . |
| 2025110222 | Qualifying Total Debt Income Ratio | XXX | XXX | Re-calculated income and using debt of the origination credit report. XXX day acct was excluded and Authorized User acct excluded. |
| 2025110222 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income based on verified income and total debts. |
| 2025110025 | Application Date | XXX | XXX | Application date is XXX, per Lock Agreement. XXX is the loan originator signature date. |
| 2025110025 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110025 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110271 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on asset documentation in file. |
| 2025110271 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110271 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110275 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file. Missing Final 1003 to determine which assets were used. |
| 2025110275 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the re-calculated income and debts from the origination credit report. |
| 2025110275 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110007 | Application Date | XXX | XXX | Application date per initial 1003 reflecst XXX. |
| 2025110007 | Qualifying Total Reserves Number of Months | XXX | XXX | Qualifying reserves are XXX months. |
| 2025110007 | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying residual income =$ XXX |
| 2025110284 | Qualifying Total Reserves Number of Months | XXX | XXX | Discrepancy resulting from $XXX variance between Audit property taxes and Lender's amount. |
| 2025110284 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from $XXX variance between Audit property taxes and Lender's amount. |
| 2025110284 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy resulting from $XXX variance between Audit property taxes and Lender's amount. |
| 2025110284 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from $XXX variance between Audit property taxes and Lender's amount. |
| 2025110333 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audited Housing DTI is XXX%,which matches the 1008 in file. Due to Liabilities total $XXX. |
| 2025110333 | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI is XXX% |
| 2025110333 | Qualifying All Borrower Residual Income | XXX | XXX | Residual Income = $XXX |
| 2025110014 | Borrower 1 Origination Experian | XXX | XXX | Per original credit report |
| 2025110014 | Borrower 1 Origination Equifax | XXX | XXX | Per original credit report |
| 2025110014 | Borrower 1 Origination TransUnion | XXX | XXX | Per original credit report |
| 2025110014 | Qualifying Total Reserves Number of Months | XXX | XXX | Per cashout |
| 2025110014 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in taxes and insurance |
| 2025110014 | Qualifying Housing Debt Income Ratio | XXX | XXX | Difference in taxes and insurance |
| 2025110014 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110052 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit |
| 2025110052 | Borrower 1 Origination Experian | XXX | XXX | Per credit |
| 2025110052 | Borrower 1 Origination Equifax | XXX | XXX | Per credit |
| 2025110052 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| 2025110052 | Qualifying All Borrower Residual Income | XXX | XXX | Per income calculations |
| 2025110297 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent statement balances from the accts listed on the Final 1003. |
| 2025110297 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the debt from the origination credit report and excluding the XXX accts. |
| 2025110297 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110569 | Application Date | XXX | XXX | Per initial 1003 and Disclosure Tracking |
| 2025110569 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets from most recent statements listed on the Final 1003. |
| 2025110569 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in REO PITIA |
| 2025110569 | Qualifying All Borrower Residual Income | XXX | XXX | Difference in REO PITIA |
| 2025110350 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110350 | Qualifying Housing Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110350 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110269 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using slightly less income in the amount of $XXX compared to the lender $XXX, causing a variation in the residual income by $XXX. |
| 2025110406 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets agree with 1008 |
| 2025110406 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025110406 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact |
| 2025110406 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact |
| 2025110334 | Borrower 1 Origination Experian | XXX | XXX | broker v lender CBR |
| 2025110334 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender CBR |
| 2025110334 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender CBR |
| 2025110334 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110334 | Qualifying All Borrower Residual Income | XXX | XXX | DTI issue creates this discrepancy |
| 2025110155 | Borrower 1 Origination Equifax | XXX | XXX | as shown on CBR |
| 2025110155 | Qualifying Total Reserves Number of Months | XXX | XXX | minor variance. cash out used for assets |
| 2025110155 | Qualifying Total Debt Income Ratio | XXX | XXX | bank statement income agrees with lender. negative cash flow from co-signed property taken against income, reduced monthly total. |
| 2025110155 | Qualifying Housing Debt Income Ratio | XXX | XXX | bank statement income agrees with lender. negative cash flow from co-signed property taken against income, reduced monthly total. |
| 2025110155 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110155 | Qualifying All Borrower Residual Income | XXX | XXX | bank statement income agrees with lender. negative cash flow from co-signed property taken against income, reduced monthly total. |
| 2025110388 | Initial Monthly P&I Or IO Payment | XXX | XXX | Tape data is principal + interest payment. |
| 2025110388 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110388 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110158 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not add the previous primary residence which is being held as a second home into the final liability calculation |
| 2025110158 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not add the previous primary residence which is being held as a second home into the final liability calculation |
| 2025110324 | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI is XXX% due to net rental income of $XXX - net loss $XXX. |
| 2025110324 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is $ XXX. |
| 2025110160 | Borrower 2 Origination TransUnion | XXX | XXX | Broker v lender CBR |
| 2025110160 | Borrower 1 Origination Equifax | XXX | XXX | Broker v lender CBR |
| 2025110160 | Borrower 2 Origination Experian | XXX | XXX | Broker v lender CBR |
| 2025110160 | Borrower 2 Origination Equifax | XXX | XXX | Broker v lender CBR |
| 2025110160 | Cash Disbursement Date | XXX | XXX |  |
| 2025110160 | Qualifying Total Reserves Number of Months | XXX | XXX | Cash out used for assets as shown on 1008 |
| 2025110160 | Qualifying Housing Debt Income Ratio | XXX | XXX | The file is missing income documents to support the rental income used. |
| 2025110160 | Qualifying Total Debt Income Ratio | XXX | XXX | The file is missing income documents to support the income used. |
| 2025110160 | Qualifying All Borrower Residual Income | XXX | XXX | The file is missing income documents to support the income used. |
| 2025110057 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2025110057 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2025110057 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025110057 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110290 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent bank statement balances from the accounts listed on the Final 1003. |
| 2025110290 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker v lender CBR. minor variance, no impact |
| 2025110290 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110290 | Qualifying All Borrower Residual Income | XXX | XXX | Broker v lender CBR. minor variance, no impact<br> `` |
| 2025110191 | Qualifying Total Reserves Number of Months | XXX | XXX | Lenders reserve figure on the CRSE is counting the proceeds from the sale twice. |
| 2025110191 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report with slightly different liability figures |
| 2025110191 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report with slightly different liability figures |
| 2025110053 | Borrower 2 Origination Equifax | XXX | XXX | Audit score based on credit report dated XXX. No other credit report with scores in file and Audit score match Credit Score Disclosures. |
| 2025110053 | Borrower 1 Origination Experian | XXX | XXX | Audit score based on credit report dated XXX. No other credit report with scores in file and Audit score match Credit Score Disclosures. |
| 2025110053 | Borrower 2 Origination TransUnion | XXX | XXX | Audit score based on credit report dated XXX. No other credit report with scores in file and Audit score match Credit Score Disclosures. |
| 2025110053 | Borrower 1 Origination Equifax | XXX | XXX | Audit score based on credit report dated XXX. No other credit report with scores in file and Audit score match Credit Score Disclosures. |
| 2025110053 | Borrower 2 Origination Experian | XXX | XXX | Audit score based on credit report dated XXX. No other credit report with scores in file and Audit score match Credit Score Disclosures. |
| 2025110053 | Borrower 1 Origination TransUnion | XXX | XXX | Audit score based on credit report dated XXX. No other credit report with scores in file and Audit score match Credit Score Disclosures. |
| 2025110053 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110053 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110053 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110309 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets verified in file. |
| 2025110309 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt from the origination credit report. |
| 2025110309 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding |
| 2025110309 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the debt from the origination credit report. |
| 2025110335 | Borrower 1 Origination Experian | XXX | XXX | broker v lender CBR |
| 2025110335 | Borrower 1 Origination TransUnion | XXX | XXX | Audit based Trans Union score on the brokers credit report |
| 2025110335 | Borrower 1 Origination Equifax | XXX | XXX | Audit based Equifax score on the brokers credit report |
| 2025110335 | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI of XXX% exceeds Guideline DTI of XXX% A variance in DTI was identified due to differences in self-employment income calculations. Audit-calculated income was $XXX, compared to the lender's figure of $XXX. The discrepancy is attributed to the exclusion of a $XXX deposit dated XXX, which audit determined to be a security deposit from the lease of the subject property, not qualifying income. New Primary Residence PITIA (per 1008): $XXX (Final Closing Disclosure not provided) Subject Property Cash Flow: –$XXX, consistent with lender's calculation All Other Monthly Debts: $XXX, matching debts listed on the final 1003. Total Income Used: $XXX Primary Residence PITIA $XXX +Subject Property Negative Cash Flow $-XXX +Other Monthly Debts XXX = $XXX / XXX =XXX% |
| 2025110335 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit is using less income for the self-employed business: audit $XXX vs XXX. |
| 2025110335 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110335 | Qualifying All Borrower Residual Income | XXX | XXX | Audit is using less income for the self-employed business: audit $XXX vs XXX.<br>|
| 2025110431 | Property Type | XXX | XXX | Appraisal reflect subject as XXX High Rise |
| 2025110431 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the monthly debt payments from the origination credit report. |
| 2025110431 | Qualifying All Borrower Residual Income | XXX | XXX | Variance is due to using the monthly debt payments from the origination credit report.  |
| 2025110387 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the most recent acct balances from the assets listed on the Final 1003 with XXX verified. |
| 2025110387 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to using the debt payments from the origination credit report. |
| 2025110387 | Qualifying All Borrower Residual Income | XXX | XXX | Based on the debt from the origination credit report. |
| 2025110403 | Qualifying Total Reserves Number of Months | XXX | XXX | Total qualifying reserves based on verified assets in file minus cash to close. |
| 2025110403 | Qualifying Total Debt Income Ratio | XXX | XXX | Audited DTI is XXX% due to income for Borrower XXX of $XXX, lender used $XXX and audit using $XXX for primary residence payment vs. lender $XXX. Second mortgage payment pmt used $XXX pg 339 vs. lender $XXX (from XXX credit report) |
| 2025110403 | Qualifying Housing Debt Income Ratio | XXX | XXX | Qualified Housing DTI is XXX% due to audit using $XXX for primary residence payment vs. lender $XXX. Second mortgage payment pmt used $XXX pg XXX vs. lender $XXX (from XXX credit report) |
| 2025110403 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110403 | Qualifying All Borrower Residual Income | XXX | XXX | File verifies residual income is $XXX. |
| 2025110364 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110362 | Qualifying Total Reserves Number of Months | XXX | XXX | disqualified XXX% of checking balance; joint account other party not on loan |
| 2025110362 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance |
| 2025110362 | Qualifying Total Debt Income Ratio | XXX | XXX | review agrees with 1008 |
| 2025110362 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR |
| 2025110029 | Qualifying Total Reserves Number of Months | XXX | XXX | Using the debt from the origination credit report, there is slight variance in the insurance payment., |
| 2025110029 | Qualifying Total Debt Income Ratio | XXX | XXX | Using the debt from the origination credit report, there is slight variance in the insurance payment.,  |
| 2025110029 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt from the origination credit report, there is slight variance in the insurance payment.,  |
| 2025110353 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110353 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110285 | Qualifying Total Debt Income Ratio | XXX | XXX | Primary residence-included hazard policy, which lender had not. |
| 2025110285 | Qualifying Housing Debt Income Ratio | XXX | XXX | Primary residence-included hazard policy, which lender had not. |
| 2025110285 | Qualifying All Borrower Residual Income | XXX | XXX | Primary residence-included hazard policy, which lender had not. |
| 2025110267 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets are based on the most recent balance from the XXX account listed on the Final 1003. |
| 2025110562 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file at time of closing |
| 2025110562 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110562 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110374 | Qualifying Total Debt Income Ratio | XXX | XXX | Most recent XXX months income XXX supports $XXX/mo vs. $XXX used by Lender |
| 2025110374 | Qualifying Housing Debt Income Ratio | XXX | XXX | Most recent XXX months income XXX supports $XXX/mo vs. $XXX used by Lender |
| 2025110374 | Qualifying All Borrower Residual Income | XXX | XXX | Most recent XXX months income XXX supports $XXX/mo vs. $XXX used by Lender |
| 2025110116 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025110116 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025110116 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents in file. |
| 2025110116 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110112 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit report dated XXX |
| 2025110112 | Borrower 1 Origination Experian | XXX | XXX | Per Credit report dated XXX |
| 2025110112 | Borrower 1 Origination Equifax | XXX | XXX | Per Credit report dated XXX |
| 2025110112 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using the updated credit report with slightly different liabilities |
| 2025110112 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using the updated credit report with slightly different liabilities |
| 2025110251 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include Borrower XXX child support obligation of $XXX/mo. |
| 2025110251 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include Borrower XXX child support obligation of $XXX/mo. |
| 2025110274 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report with different liabilities |
| 2025110274 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025110274 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report with different liabilities |
| 2025110550 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110564 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets in the file which also matches lenders 1003 |
| 2025110564 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using updated credit report with slightly different liabilities |
| 2025110564 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using updated credit report with slightly different liabilities |
| 2025110315 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110315 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110337 | Borrower 1 Origination TransUnion | XXX | XXX | Fer credit report |
| 2025110337 | Borrower 1 Origination Experian | XXX | XXX | Per credit report |
| 2025110337 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110337 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender has calculated the primary residence P&I twice |
| 2025110337 | Qualifying All Borrower Residual Income | XXX | XXX | Lender has calculated the primary residence P&I twice |
| 2025110365 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025110365 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025110365 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025110365 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025110365 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110365 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110419 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report and calculated an authorized user account as a liability. |
| 2025110419 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report and calculated an authorized user account as a liability. |
| 2025110021 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report with slightly different liability total |
| 2025110021 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report with slightly different liability total |
| 2025110545 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender used an updated credit report |
| 2025110545 | Qualifying Total Debt Income Ratio | XXX | XXX | Used debt from origination credit report, minus accts that are paid off. |
| 2025110545 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an updated credit report |
| 2025110336 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110336 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110024 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025110024 | Qualifying All Borrower Residual Income | XXX | XXX | Original v XXX CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110425 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110425 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110425 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110360 | Qualifying Total Debt Income Ratio | XXX | XXX | income discrepancy, see exceptions |
| 2025110360 | Qualifying Housing Debt Income Ratio | XXX | XXX | income discrepancy, see exceptions |
| 2025110360 | Qualifying All Borrower Residual Income | XXX | XXX | income discrepancy, see exceptions |
| 2025110313 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most current account balances from the accounts listed on the Final 1003 w/EM verified. |
| 2025110313 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110417 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves based on assets verified in file minus cash to close from the final CD. Discrepancy due to Lender using the balance from XXX bank statement for XXX, however $XXX was withdrawn from this account in XXX and deposited into XXX XXX CU - lender double counted the $XXX.  |
| 2025110417 | Underwriting Exception in File? | XXX | XXX | Underwriting exception noted in file for for payment shock exceeding XXX%. |
| 2025110417 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110392 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025110392 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110392 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance is due to using the debt payment from the origination credit report. |
| 2025110392 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110079 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2025110079 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2025110079 | Borrower 2 Origination TransUnion | XXX | XXX |  |
| 2025110079 | Borrower 2 Origination Experian | XXX | XXX |  |
| 2025110079 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025110079 | Borrower 2 Origination Equifax | XXX | XXX |  |
| 2025110079 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender is adding the assets XXX per the 1003 |
| 2025110079 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110376 | Initial Monthly P&I Or IO Payment | XXX | XXX | Per note |
| 2025110376 | Borrower 2 Origination Experian | XXX | XXX | per credit report dated XXX |
| 2025110376 | Borrower 2 Origination Equifax | XXX | XXX | per credit report dated XXX |
| 2025110376 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110376 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110429 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in file. |
| 2025110429 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110429 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110300 | Borrower 1 Origination Experian | XXX | XXX | Missing broker CBR |
| 2025110300 | Borrower 1 Origination TransUnion | XXX | XXX | Missing broker CBR |
| 2025110300 | Borrower 1 Origination Equifax | XXX | XXX | Missing broker CBR |
| 2025110300 | Qualifying All Borrower Residual Income | XXX | XXX | no variance, rounding |
| 2025110286 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110286 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110316 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documents in file. |
| 2025110316 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110402 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report. |
| 2025110402 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report. |
| 2025110354 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report |
| 2025110354 | Borrower 2 Origination Experian | XXX | XXX | Per credit report |
| 2025110354 | Borrower 1 Origination Experian | XXX | XXX | Per credit report |
| 2025110354 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report |
| 2025110354 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report |
| 2025110354 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report |
| 2025110354 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender calculated the XXX assets XXX |
| 2025110354 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used an updated credit report |
| 2025110354 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an updated credit report |
| 2025110259 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
| 2025110259 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110259 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110371 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110396 | Qualifying Total Reserves Number of Months | XXX | XXX | Calculated gift paid into XXX error |
| 2025110396 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using an updated credit report |
| 2025110396 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using an updated credit report |
| 2025110206 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the verified income and debt from the origination credit report. |
| 2025110206 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to a XXX cent variance in income and using the debt from the origination credit report. |
| 2025110172 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file |
| 2025110172 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include the additional expenses from the REOs |
| 2025110172 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include the additional expenses from the REOs |
| 2025110370 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110400 | Qualifying FICO | XXX | XXX | Primary wage earner |
| 2025110400 | Qualifying All Borrower Residual Income | XXX | XXX | Same data rounded |
| 2025110329 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender CBR |
| 2025110329 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit using slightly less income ($XXX) vs lender ($XXX) |
| 2025110329 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025110329 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using slightly less income ($XXX) vs lender ($XXX) |
| 2025110329 | Borrower 1 Origination Experian | XXX | XXX | broker v lender CBR |
| 2025110002 | Qualifying Total Reserves Number of Months | XXX | XXX | Number of months reserves based on verified assets minus cash to close from the final CD. |
| 2025110002 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using slightly less income to qualify $XXX vs. lender $XXX |
| 2025110384 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 2025110384 | Qualifying All Borrower Residual Income | XXX | XXX | Lender used an updated credit report |
| 2025110384 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender used an updated credit report |
| 2025110424 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110424 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110368 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit Report |
| 2025110368 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit Report |
| 2025110258 | Property Type | XXX | XXX |  |
| 2025110258 | Qualifying Total Reserves Number of Months | XXX | XXX | verified asset balances at the time of closing |
| 2025110258 | Qualifying LTV | XXX | XXX |  |
| 2025110258 | Qualifying CLTV | XXX | XXX |  |
| 2025110258 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110258 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110293 | Borrower 1 Origination TransUnion | XXX | XXX | broker v lender CBR |
| 2025110293 | Qualifying Total Reserves Number of Months | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110293 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender CBR |
| 2025110293 | Qualifying Housing Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110293 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110293 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110293 | Borrower 1 Origination Experian | XXX | XXX | broker v lender CBR |
| 2025110428 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt payments from the origination credit report. |
| 2025110428 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt payments from the origination credit report. |
| 2025110326 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110326 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110405 | Qualifying All Borrower Residual Income | XXX | XXX | Borrowers liabilities are slightly different than the lender used |
| 2025110405 | Qualifying Total Debt Income Ratio | XXX | XXX | Borrowers liabilities are slightly different than the lender used |
| 2025110070 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at time of closing |
| 2025110070 | Qualifying All Borrower Residual Income | XXX | XXX | missing broker CBR |
| 2025110070 | Qualifying Total Debt Income Ratio | XXX | XXX | missing broker CBR |
| 2025110031 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets and Final CD |
| 2025110031 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110031 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110385 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110385 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110339 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110339 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110409 | Qualifying Total Reserves Number of Months | XXX | XXX | No evidence in the file of the gift funds being transferred to borrower or used at closing. Verified assets from the acct listed on the Final 1003. |
| 2025110409 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using an updated credit report |
| 2025110409 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using an updated credit report |
| 2025110472 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit is using less income. Appears lender added XXX $XXX for B1 for XXX on the W2 wages, audit only using $XXX B1 + $XXX B2 = $XXX, Lender used $XXX.  |
| 2025110472 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report, and is not including B2 Auto loan |
| 2025110472 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit is using less income. Appears lender added XXX $XXX for B1 for XXX on the W2 wages, audit only using $XXX B1 + $XXX B2 = $XXX, Lender used $XXX. |
| 2025110395 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX, which is missing from file. Scores taken from Comparison Report. |
| 2025110395 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110395 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX, which is missing from file. Scores taken from Comparison Report. |
| 2025110395 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX, which is missing from file. Scores taken from Comparison Report. |
| 2025110395 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX, which is missing from file. Scores taken from Comparison Report. |
| 2025110395 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX, which is missing from file. Scores taken from Comparison Report. |
| 2025110443 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the verified assets. XXX is not verified withdrawn from acct. |
| 2025110443 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110443 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding. |
| 2025110195 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2025110195 | Qualifying Total Reserves Number of Months | XXX | XXX | aplied conversion rate to $XXX balance with XXX bank |
| 2025110195 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025110195 | Qualifying Housing Debt Income Ratio | XXX | XXX | rounding |
| 2025110195 | Qualifying All Borrower Residual Income | XXX | XXX | Using the debt payments from the origination credit report. |
| 2025110033 | Qualifying Total Reserves Number of Months | XXX | XXX | Tape amount includes gift funds, which are not eligible for use as reserves. Lender also counted the gift funds twice, once on the application as gifts funds, and again in the XXX account balance. This account was the XXX account, and not the XXX account. |
| 2025110033 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110033 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110033 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110307 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110307 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110063 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report |
| 2025110063 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report |
| 2025110063 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110063 | Borrower 1 Origination Experian | XXX | XXX | Per credit report |
| 2025110397 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110397 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110375 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110474 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110474 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110474 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report |
| 2025110466 | Qualifying All Borrower Residual Income | XXX | XXX | Lender did not include the Mortgage payment for the investment property. |
| 2025110466 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender did not include the Mortgage payment for the investment property. |
| 2025110344 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110344 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110479 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is based on the re-verified income and debt from the subject transaction and broker's credit report. |
| 2025110479 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the broker's credit report. |
| 2025110051 | Borrower 1 Origination TransUnion | XXX | XXX | Original XXX is out of date |
| 2025110051 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2025110051 | Borrower 1 Origination Equifax | XXX | XXX | Original XXX is out of date |
| 2025110051 | Qualifying All Borrower Residual Income | XXX | XXX | Same data rounded |
| 2025110369 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets verified from the most recent bank stmts in file. $XXX XXX is verified. |
| 2025110369 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110469 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110469 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110418 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX bank balance verified higher than shown on 1003 |
| 2025110418 | Qualifying Housing Debt Income Ratio | XXX | XXX | rounding |
| 2025110418 | Qualifying All Borrower Residual Income | XXX | XXX | Audit using XXX% of comparable rent schedule for subject property per lender guidelines (section 6.37) to calculate the net rental income, while lender is giving them XXX% - difference of $XXX. |
| 2025110418 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit using XXX% of comparable rent schedule for subject property per lender guidelines (section 6.37) to calculate the net rental income, while lender is giving them XXX% - difference of $XXX. |
| 2025110570 | Property Type | XXX | XXX | Subject is a Townhome based on ASF Definition |
| 2025110570 | Qualifying Total Reserves Number of Months | XXX | XXX | Borrower's most recent XXX account had higher balance than Lender used. |
| 2025110570 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110016 | Borrower 1 Origination TransUnion | XXX | XXX | Audit using the credit report dated XXX and reflects the XXX score as XXX. No credit docs in file reflect a score of XXX |
| 2025110016 | Qualifying Total Reserves Number of Months | XXX | XXX | lender used XXX% of business assets, audit only using XXX% as this is the % of ownership the borrower has. |
| 2025110016 | Borrower 1 Origination Equifax | XXX | XXX | Audit using the credit report dated XXX and reflects the XXX score as XXX. No credit docs in file reflect a score of XXX. |
| 2025110016 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025110016 | Qualifying Total Debt Income Ratio | XXX | XXX | rounding |
| 2025110016 | Borrower 1 Origination Experian | XXX | XXX | Audit using the credit report dated XXX and reflects the XXX score as XXX. No credit docs in file reflect a score of XXX |
| 2025110520 | Qualifying LTV | XXX | XXX | Rounded differently |
| 2025110520 | Qualifying CLTV | XXX | XXX | Rounded differently |
| 2025110520 | Qualifying All Borrower Residual Income | XXX | XXX | Lender using different credit report |
| 2025110520 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender using different credit report |
| 2025110462 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file and matches CRSE |
| 2025110462 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report and added the auto payment twice |
| 2025110462 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report and added the auto payment twice |
| 2025110492 | Qualifying Total Reserves Number of Months | XXX | XXX | Immaterial. Audit HOI $XXX/mo greater than Lender's amount. |
| 2025110492 | Qualifying All Borrower Residual Income | XXX | XXX | Audit primary residence payment $XXX/mo greater than Lender's amount. |
| 2025110492 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit primary residence payment $XXX/mo greater than Lender's amount. |
| 2025110500 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110458 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110458 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110169 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025110169 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110169 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110493 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110493 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110481 | Underwriting Exception in File? | XXX | XXX |  |
| 2025110481 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the most recent acct statement balances that are in the file. |
| 2025110481 | Qualifying All Borrower Residual Income | XXX | XXX | Debts are based on the broker's credit report w/o Authorized User acct payment which per GL can be excluded. |
| 2025110481 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI variance is due to excluding the XXX acct on the credit report. |
| 2025110513 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110513 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding |
| 2025110506 | Qualifying Total Reserves Number of Months | XXX | XXX | Immaterial. Audit HOI is $XXX per month greater than Lender's amount. |
| 2025110506 | Qualifying All Borrower Residual Income | XXX | XXX | Immaterial. Audit HOI is $XXX per month greater than Lender's amount. |
| 2025110506 | Qualifying Total Debt Income Ratio | XXX | XXX | Immaterial. Audit HOI is $XXX per month greater than Lender's amount. |
| 2025110413 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX. |
| 2025110413 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX. |
| 2025110413 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110413 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110413 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX. |
| 2025110445 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110488 | Qualifying Total Reserves Number of Months | XXX | XXX | Lender is using the monthly XXX liability XXX in the final payment calculation. |
| 2025110488 | Qualifying Housing Debt Income Ratio | XXX | XXX | Lender is using the monthly XXX liability XXX in the final payment calculation. |
| 2025110488 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using the monthly XXX liability XXX in the final payment calculation. |
| 2025110488 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using the monthly XXX liability XXX in the final payment calculation. |
| 2025110006 | Qualifying Total Reserves Number of Months | XXX | XXX | cash out only used for reserves |
| 2025110006 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025110386 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110386 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110505 | Qualifying Housing Debt Income Ratio | XXX | XXX | Figure matches the Lenders 1008 |
| 2025110505 | Qualifying All Borrower Residual Income | XXX | XXX | Figure matches lenders CRSE less updated credit report discrepancies |
| 2025110505 | Qualifying Total Debt Income Ratio | XXX | XXX | Figure matches lenders 1008 less updated credit report discrepancies |
| 2025110461 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is based on the re-verified income and debt using the updated debt with the accounts verified paid XXX bank statements/payments. Remaining debt payments are from the origination credit report |
| 2025110314 | Borrower 2 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025110314 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110314 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on early and later credit reports. |
| 2025110314 | Borrower 2 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025110314 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025110314 | Borrower 2 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025110314 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025110314 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025110465 | Qualifying All Borrower Residual Income | XXX | XXX |  |
| 2025110465 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110475 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110475 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and Lender credit reports. |
| 2025110459 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110459 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110220 | Qualifying Housing Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance<br>|
| 2025110220 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110220 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110220 | Borrower 1 Origination TransUnion | XXX | XXX | Lender shows qualifying FICO to be XXX, which is the lowest high score of either borrower on both the 1008 and the Credit Risk Summary. Per guidelines, the middle score of the highest wage earner should be used. Borrowers earn equal amounts. Guidelines to not address that situation. |
| 2025110220 | Underwriting Exception in File? | XXX | XXX | tape value is the middle score for B2 |
| 2025110494 | Qualifying FICO | XXX | XXX | primary wage earners middle FICO score, per guideline requirement. |
| 2025110494 | Borrower 2 Origination Equifax | XXX | XXX | primary wage earners middle FICO score, per guideline requirement. |
| 2025110494 | Qualifying All Borrower Residual Income | XXX | XXX | per audit calculation. |
| 2025110494 | Qualifying Total Debt Income Ratio | XXX | XXX | < .XXX variance in DTI |
| 2025110037 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 2025110037 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed based on the bank statements in file. |
| 2025110264 | Borrower 1 Origination TransUnion | XXX | XXX |  |
| 2025110264 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in the file. |
| 2025110264 | Borrower 1 Origination Equifax | XXX | XXX |  |
| 2025110264 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed based on the bank statements in file. |
| 2025110264 | Borrower 1 Origination Experian | XXX | XXX |  |
| 2025110437 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110421 | Qualifying Total Reserves Number of Months | XXX | XXX | proceeds from sale plus XXX and checking |
| 2025110421 | Qualifying All Borrower Residual Income | XXX | XXX | rounding |
| 2025110485 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded figure |
| 2025110548 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs in the file |
| 2025110548 | Qualifying Housing Debt Income Ratio | XXX | XXX | Using the debt from the origination credit report. |
| 2025110548 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using the updated credit report |
| 2025110548 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using the updated credit report |
| 2025110542 | Qualifying All Borrower Residual Income | XXX | XXX | Broker Credit Report reveals slightly lower debt. |
| 2025110542 | Qualifying Total Debt Income Ratio | XXX | XXX | Broker Credit Report reveals slightly lower debt. |
| 2025110495 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025110495 | Qualifying LTV | XXX | XXX | Rounding |
| 2025110495 | Qualifying CLTV | XXX | XXX | Rounding |
| 2025110495 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using updated credit report |
| 2025110495 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using updated credit report |
| 2025110408 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding. |
| 2025110467 | Qualifying Total Reserves Number of Months | XXX | XXX | B2 is showing her departure residence as sold on the Final 1003. There is no evidence of the closing in file, nor have the proceeds been documented for use as funds to close and/or reserves.  |
| 2025110467 | Qualifying All Borrower Residual Income | XXX | XXX | Inclusion of B2 departure residence mortgage is decreasing the residual income calculation |
| 2025110467 | Qualifying Total Debt Income Ratio | XXX | XXX | B2 is showing her departure residence as sold on the Final 1003. There is no evidence of the closing in file, nor have the proceeds been documented for use as funds to close and/or reserves. The debt is also being counted against the DTI until closing documentation is provided. |
| 2025110467 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110467 | Initial Monthly P&I Or IO Payment | XXX | XXX | Tape value is the qualifying payment. Review value is the initial interest only payment |
| 2025110467 | Borrower 1 Origination Experian | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110426 | Qualifying All Borrower Residual Income | XXX | XXX | Is based on the debt from the origination credit report. |
| 2025110426 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from origination credit report. |
| 2025110507 | Borrower 1 Origination TransUnion | XXX | XXX | Per Credit Report |
| 2025110507 | Borrower 1 Origination Equifax | XXX | XXX | Per Credit Report |
| 2025110507 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110507 | Borrower 1 Origination Experian | XXX | XXX | Per Credit Report |
| 2025110064 | Borrower 1 Origination TransUnion | XXX | XXX | Per original credit report |
| 2025110064 | Qualifying FICO | XXX | XXX | Per original credit report |
| 2025110064 | Borrower 1 Origination Equifax | XXX | XXX | Per original credit report |
| 2025110064 | Borrower 1 Origination Experian | XXX | XXX | Per original credit report |
| 2025110382 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on cash out proceeds |
| 2025110382 | Qualifying Housing Debt Income Ratio | XXX | XXX | Confirmed based on the Lender's qualification requirements for a XXX year XXX loan. |
| 2025110382 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed based on the income and credit docs in file, audit using debts based on unexpired broker credit report. |
| 2025110382 | Initial Monthly P&I Or IO Payment | XXX | XXX | Confirmed based on the Lender's qualification requirements for a XXX year XXX loan. |
| 2025110382 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy in DTI calculation is due to the consumer debts on broker report vs. lender report. |
| 2025110521 | Qualifying Total Reserves Number of Months | XXX | XXX | Cash-out proceeds may be used for reserves , therefore N/A assets needed for file. |
| 2025110521 | Qualifying Housing Debt Income Ratio | XXX | XXX | Rounding. |
| 2025110521 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding |
| 2025110567 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file |
| 2025110567 | Qualifying All Borrower Residual Income | XXX | XXX | Based on origination credit report debt, slight variance in XXX payment. |
| 2025110567 | Qualifying Total Debt Income Ratio | XXX | XXX | Lenders liability calculation slightly different PITA for marital residence. |
| 2025110446 | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 2025110446 | Qualifying All Borrower Residual Income | XXX | XXX | Audit_ housing debt applicable per diligence review |
| 2025110446 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit_calculated from diligence and verified income/expenses |
| 2025110001 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income variance is due to using the debt from the origination credit report. Lender is not using the correct P&I payment on the 1008. |
| 2025110001 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. Lender is not using the correct P&I payment on the 1008. |
| 2025110484 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed based on the income docs in file. |
| 2025110456 | Qualifying All Borrower Residual Income | XXX | XXX | Rounding to nearest dollar. |
| 2025110410 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report. Borrowers had multiple liabilities paid off on the most current credit report which I matched. |
| 2025110410 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report. Borrowers had multiple liabilities paid off on the most current credit report which I matched. |
| 2025110292 | Borrower 1 Origination TransUnion | XXX | XXX | XXX credit score per XXX credit report. |
| 2025110292 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on the final 1003. |
| 2025110292 | Qualifying Housing Debt Income Ratio | XXX | XXX |  |
| 2025110292 | Qualifying All Borrower Residual Income | XXX | XXX | Audit calculation of the Borrower's income was $XXX, appears Lender rounded income to $XXX. |
| 2025110292 | Qualifying Total Debt Income Ratio | XXX | XXX |  |
| 2025110292 | Borrower 1 Origination Experian | XXX | XXX | XXX credit score per XXX credit report. |
| 2025110470 | Qualifying Housing Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance. PITIA not verified on primary |
| 2025110470 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110470 | Qualifying Total Debt Income Ratio | XXX | XXX | minor variance, no impact on qualification or guideline compliance. PITIA not verified on primary |
| 2025110514 | Qualifying All Borrower Residual Income | XXX | XXX | <$XXX variance. |
| 2025110514 | Qualifying Total Debt Income Ratio | XXX | XXX | < XXX% variance - rounding |
| 2025110511 | Qualifying All Borrower Residual Income | XXX | XXX | Income $XXX - total liabilities $XXX = $XXX, tape value is rounded. |
| 2025110511 | Qualifying Total Debt Income Ratio | XXX | XXX | Liabilities total $XXX/ income $XXX = XXX%, LM used XXX% tape value rounded to XXX%. |
| 2025110444 | Borrower 1 Origination TransUnion | XXX | XXX | Per credit report dated XXX |
| 2025110444 | Borrower 1 Origination Equifax | XXX | XXX | Per credit report dated XXX |
| 2025110444 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110444 | Borrower 1 Origination Experian | XXX | XXX | Per credit report dated XXX |
| 2025110508 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110508 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110012 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in file. CRSE shows incorrect calculation |
| 2025110012 | Qualifying Housing Debt Income Ratio | XXX | XXX | Incorrect P&I payment used for calculation. |
| 2025110012 | Qualifying All Borrower Residual Income | XXX | XXX | Incorrect P&I payment used for calculation. |
| 2025110012 | Initial Monthly P&I Or IO Payment | XXX | XXX | Per note |
| 2025110012 | Qualifying Total Debt Income Ratio | XXX | XXX | Incorrect P&I payment used for calculation. |
| 2025110502 | Qualifying All Borrower Residual Income | XXX | XXX | Tape is rounding. |
| 2025110464 | Property Address | XXX | XXX | case changed from all upper to upper and lower |
| 2025110464 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets at closing |
| 2025110464 | Borrower 1 Origination Equifax | XXX | XXX | broker v lender CBR |
| 2025110464 | Qualifying Housing Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110464 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110464 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110464 | Borrower 1 Origination Experian | XXX | XXX | CBR dated XXX v lender CBR |
| 2025110473 | Qualifying Total Reserves Number of Months | XXX | XXX | per assets listed on the 1003 with XXX transfer subtracted. |
| 2025110473 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt from origination credit report. |
| 2025110473 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from origination credit report. |
| 2025110447 | Qualifying Total Reserves Number of Months | XXX | XXX | verified assets in file at time of closing |
| 2025110447 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110447 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110515 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower's is not SE per 1003. |
| 2025110515 | Qualifying All Borrower Residual Income | XXX | XXX | Variance in Borrower's inv property XXX payment per 1003 vs XXX statement. |
| 2025110515 | Qualifying Total Debt Income Ratio | XXX | XXX | Variance in Borrower's inv property XXX payment per 1003 vs XXX statement. |
| 2025110435 | Qualifying Total Reserves Number of Months | XXX | XXX | Assets document in the file. |
| 2025110435 | Qualifying All Borrower Residual Income | XXX | XXX | Using debt payment from the origination credit report. |
| 2025110435 | Qualifying Total Debt Income Ratio | XXX | XXX | Using debt from the origination credit report. |
| 2025110040 | Qualifying Total Reserves Number of Months | XXX | XXX |  |
| 2025110040 | Qualifying All Borrower Residual Income | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110040 | Qualifying Total Debt Income Ratio | XXX | XXX | broker v lender CBR. minor variance, no impact on qualification or guideline compliance |
| 2025110510 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets in the file minus $XXX gift deposit because the F1003 does not list the gift. |
| 2025110510 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report. Several liabilities are used from the updated report, as XXX is showing a payoff or pay down of liabilities to gain DTI tolerance. |
| 2025110510 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report. Several liabilities are used from the updated report, as XXX is showing a payoff or pay down of liabilities to gain DTI tolerance. |
| 2025110516 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110516 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110041 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110041 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110512 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report and has also calculated the investment property XXX as a liability and on the REO table. |
| 2025110512 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report and has also calculated the investment property XXX as a liability and on the REO table. |
| 2025110523 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |
| 2025110049 | Occupancy | XXX | XXX | FALSE |
| 2025110049 | Originator_DTI | XXX | XXX | FALSE |
| 2025110049 | Property_Type | XXX | XXX | FALSE |
| 2025110056 | Months Reserves | XXX | XXX | #XXX reflects $XXX% of XXX account #XXX |
| 2025110067 | Qualifying FICO | XXX | XXX | Using credit report dated XXX |
| 2025110082 | Qualifying FICO | XXX | XXX | Taking higher of per guidelines dated XXX |
| 2025110084 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX |
| 2025110086 | Qualifying FICO | XXX | XXX | Using credit report dated XXX |
| 2025110089 | Months Reserves | XXX | XXX | #XXX reflects $XXX |
| 2025110093 | Months Reserves | XXX | XXX | XXX $XXX |
| 2025110094 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX reflects $XXX, #XXX, #XXX, #XXX |
| 2025110099 | Qualifying FICO | XXX | XXX | Using credit scores from report XXX |
| 2025110107 | Months Reserves | XXX | XXX | Must use XXX% for stock account, not XXX% |
| 2025110108 | Qualifying FICO | XXX | XXX | Taking higher of per guidelines dated XXX |
| 2025110110 | Qualifying FICO | XXX | XXX | Taking higher of per guidelines dated XXX |
| 2025110111 | Months Reserves | XXX | XXX | #XXX reflecting $XXX, #XXX reflecting $XXX, #XXX reflecting $XXX |
| 2025110115 | Qualifying FICO | XXX | XXX | Using FICO from credit report XXX |
| 2025110119 | Months Reserves | XXX | XXX | Using XXX Credit Union #XXX in the amount of $XXX + XXX #XXX in the amount of $XXX |
| 2025110132 | Months Reserves | XXX | XXX | XXX% of account #XXX reflects $XXX for equities and mutual funds, #XXX reflects $XXX, #XXX reflects $XXX |
| 2025110143 | Months Reserves | XXX | XXX | Cash out in the amount of $XXX |
| 2025110150 | Months Reserves | XXX | XXX | #XXX reflects $XXX on XXX% of $XXX Thrift Retirement account |
| 2025110180 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX, and XXX% XXX reflects $XXX |
| 2025110185 | Months Reserves | XXX | XXX | Using XXX. Bank #XXX in the amount of $XXX |
| 2025110215 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025110265 | Qualifying FICO | XXX | XXX | Taking highest middle FICO score of all borrowers per guidelines dated XXX |
| 2025110265 | Property Type | XXX | XXX | Appraisal reflects XXX units |
| 2025110268 | Gross Rent | XXX | XXX | 1007 reflects rent of $XXX |
| 2025110268 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX Insurance $XXX |
| 2025110276 | Months Reserves | XXX | XXX | Must use XXX% for XXX account, not XXX% |
| 2025110279 | Property Type | XXX | XXX | appraisal reflects attached |
| 2025110282 | LTV | XXX | XXX | using loan amount of XXX / as is value of XXX |
| 2025110288 | Qualifying FICO | XXX | XXX | Taking highest middle FICO score of all borrowers per guidelines dated XXX |
| 2025110296 | Property Type | XXX | XXX | appraisal reflects XXX |
| 2025110298 | Months Reserves | XXX | XXX | Must use XXX% of XXX account #XXX |
| 2025110308 | DSCR | XXX | XXX | missing XXX months rent receipts |
| 2025110317 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025110318 | Qualifying FICO | XXX | XXX | using credit report from XXX |
| 2025110320 | Months Reserves | XXX | XXX | Using cash to borrower: $XXX, no other assets in file |
| 2025110328 | Qualifying FICO | XXX | XXX | using middle score on credit report adted XXX |
| 2025110328 | Months Reserves | XXX | XXX | Acct #XXX $XXX + $XXX Borrower's Proceeds sent to closing agent + $XXX gift letter |
| 2025110343 | Gross Rent | XXX | XXX | USING STR RENT |
| 2025110343 | Months Reserves | XXX | XXX | Must use XXX% for XXX account, not XXX% |
| 2025110357 | Qualifying FICO | XXX | XXX | Higher middle score of all borrowers per gudielines |
| 2025110361 | Months Reserves | XXX | XXX | XXX% of XXX account $XXX, #XXX reflects $XXX |
| 2025110367 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX Insurance $XXX HOA $XXX |
| 2025110367 | Months Reserves | XXX | XXX | #XXX reflects $XXX |
| 2025110373 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX, XXX% of XXX #XXX $XXX |
| 2025110379 | Qualifying FICO | XXX | XXX | using credit report dated XXX |
| 2025110393 | Months Reserves | XXX | XXX | XXX% of XXX #XXX and XXX% of XXX #XXX |
| 2025110401 | Cash Out Amount | XXX | XXX | Cash to borrower $XXX per final CD in file |
| 2025110415 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025110415 | Months Reserves | XXX | XXX | Refi cash-out, no assets in file. |
| 2025110420 | Gross Rent | XXX | XXX | AirDNA reflects XXX |
| 2025110438 | Months Reserves | XXX | XXX | #XXX on XXX reflects $XXX - #XXX on XXX reflects $XXX - #XXX on XXX reflects $XXX - Mutual fund on XXX reflects $XXX (discouned XXX%) |
| 2025110439 | Qualifying FICO | XXX | XXX | using credit report from XXX |
| 2025110450 | Qualifying FICO | XXX | XXX | using credit report dated XXX |
| 2025110452 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX $XXX |
| 2025110457 | Qualifying FICO | XXX | XXX | Taking higher of |
| 2025110471 | Gross Rent | XXX | XXX | XXX from XXX reflects $XXX |
| 2025110476 | Qualifying FICO | XXX | XXX | Per credit report in file |
| 2025110477 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX, #XXX reflects $XXX |
| 2025110480 | Qualifying FICO | XXX | XXX | Taking from credit report dated XXX |
| 2025110480 | Months Reserves | XXX | XXX | Using XXX% of XXX account |
| 2025110482 | Qualifying FICO | XXX | XXX | Taking the higher of |
| 2025110487 | Cash Out Amount | XXX | XXX | Cash to borrower $XXX per final CD in file |
| 2025110487 | Months Reserves | XXX | XXX | Cash out amunt of $XXX |
| 2025110504 | Months Reserves | XXX | XXX | Using XXX% instead of XXX% of XXX and #XXX |
| 2025110519 | Months Reserves | XXX | XXX | Cash out amunt of $XXX |
| 2025110524 | Qualifying FICO | XXX | XXX | Taking highest of XXX |
| 2025110531 | Cash Out Amount | XXX | XXX | Cash out amount on CD dated XXX reflects $XXX |
| 2025110531 | Months Reserves | XXX | XXX | Cash out amount of $XXX |
| 2025110534 | Mo. Tax | XXX | XXX | taxes billed in XXX were $XXX |
| 2025110537 | Qualifying FICO | XXX | XXX | using credit report fromXXX |
| 2025110549 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Flood $XXX, Taxes $XXX, Insurance $XXX HOA $XXX |
| 2025110552 | Months Reserves | XXX | XXX | #XXX reflects $XXX, #XXX reflects $XXX |
| 2025110554 | Qualifying FICO | XXX | XXX | Using higher of per guidelines XXX |
| 2025110561 | DSCR | XXX | XXX | Matches CRSE |
| 2025110571 | DSCR | XXX | XXX | Income $XXX PI $XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025110571 | Months Reserves | XXX | XXX | Cash out in the amount of $XXX |
| 2025110572 | DSCR | XXX | XXX | Matches CRSE |
| 2025110572 | Months Reserves | XXX | XXX | Cash out in the amount of $XXX |
| 2025110573 | DSCR | XXX | XXX | Matches CRSE |
| 2025110573 | Months Reserves | XXX | XXX | Cash out amount reflects $XXX |
| 2025110574 | Months Reserves | XXX | XXX | Cash out in the amount of $XXX |
| 2025110030 | Gross Rent | XXX | XXX | 1007 reflects rent of $XXX |
| 2025110030 | DSCR | XXX | XXX | Monthly Breakdown: Income $XXX/ PI $XXX, Taxes $XXX Insurance $XXX |
| 2025110559 | Months Reserves | XXX | XXX | XXX account reflects $XXX and cash out reflects $XXX |
| 2025110541 | Qualifying FICO | XXX | XXX | Taking the higher of |
| 2025110045 | Gross Rent | XXX | XXX | Using market rent off 1007 |
| 2025110046 | Gross Rent | XXX | XXX | Using market rent off 1007 |
| 2025110046 | DSCR | XXX | XXX | Income $XXX/ PI $1XXX, Taxes $XXX, Insurance $XXX, HOA $XXX |
| 2025110497 | Mo. Tax | XXX | XXX | Property and City Tax |
| 2025110538 | LTV | XXX | XXX | $XXX Loan Amount / $ XXX as-is value |
| 2025110399 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference in liabilities |
| 2025110399 | Qualifying All Borrower Residual Income | XXX | XXX | Verified to total income minus total debt; difference in liabilities |
| 2025110543 | Initial Monthly P&I Or IO Payment | XXX | XXX | Per note QM payment |
| 2025110543 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves are based on the cash-out amount. |
| 2025110543 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender is using an updated credit report |
| 2025110543 | Qualifying All Borrower Residual Income | XXX | XXX | Lender is using an updated credit report |
| 2025110540 | Qualifying Total Reserves Number of Months | XXX | XXX | Based on $XXX funds available after close. |
| 2025110540 | Qualifying Total Debt Income Ratio | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day reports. |
| 2025110540 | Qualifying All Borrower Residual Income | XXX | XXX | Discrepancy resulting from variance between consumer debt on Broker and XXX-Day reports. |
| 2025110522 | Qualifying All Borrower Residual Income | XXX | XXX | Rounded data |

---

## Exhibit 99.16

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.16**

**EXECUTIVE SUMMARY**

**AOMT 2025-11**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 1 loan1 acquired by Angel Oak Mortgage Fund EU B LLC (the "Client"). The review was performed in May 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 1 loan for an aggregate original principal balance of $1,000,000.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &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;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, February 2, 2021 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report.

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |

---

Page **1** of **18**

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

Page **2** of **18**

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
 and bank statements, was provided and used to accurately qualify the borrower according
 to guidelines. Recalculate the borrower's income and debt to determine the appropriate
 debt to income ratio in accordance with the guidelines. Validate borrower's employment
 history and confirm that the appropriate income and assets were used to qualify. Make
 a reasonable assessment of whether there are any indications that income documentation
 may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate
 that assets used to qualify the borrower match the documentation in the file and the
 information used to calculate down payment, closing costs, and reserves meet program
 guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 the loan approval against all supporting documentation and loan application to verify
 accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the initial loan application against the final loan application or other loan applications
 found in the file to validate the application was signed and properly completed and to
 expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm
 that credit report(s) and verification of mortgage or rental history, when required,
 have been provided for all borrowers/guarantors, are consistent with loan approval, and
 meet guideline requirements. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review
 the loan file for inconsistencies based on information derived from source documentation
 provided in the loan file, for the purposes of identifying misrepresentations contained
 in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review
 the title report for possible judgments and other liens that may have existed upon origination;
 verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify
 and validate the file contains sufficient property insurance coverage as required by
 guidelines; confirm property insurance policy contains appropriate mortgagee clause.
 For subject properties located in a Special Flood Hazard Area where flood insurance is
 required, verify and validate the file contains sufficient flood insurance coverage as
 required by guidelines and that flood insurance policy contains appropriate mortgagee
 clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed
 by the borrowers/guarantors and confirm that document addresses are consistent with subject
 property address and do not match the primary residence address.

Page **3** of **18**

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
 Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan
 Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&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. Evaluate
 credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

Page **4** of **18**

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&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. Finance
 Charge Test (12 CFR §1026.18(d)(1))

&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. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&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. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&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. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&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. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&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. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is
 greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

Page **5** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR
 Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&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. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&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. TIL
 Disclosure Date Test (12
 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not later than the third business day (counting days on
 which the creditor's offices are open to the public for carrying on substantially all
 of its business functions) after the creditor receives the consumer's written application;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&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. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

Page **6** of **18**

&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. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 final Loan Estimate was provided to borrower prior to the Closing 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;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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 under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&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. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12
 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the 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

Page **7** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 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 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure
 of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of 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;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

Page **8** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&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. Classification
 of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&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. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that a qualified mortgage is a covered transaction that provides for regular periodic
 payments that are substantially equal and any interest rate change after consummation,
 along with the corresponding payment, does not result in an increase of the principal
 balance

&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. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 that no qualified mortgage loan allows the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Verify
 that no qualified mortgage results in a ballon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time of consummation
 does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1,
 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that
 all loans sold to Fannie and Freddie must comply with the revised QM rules, effective
 July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. For
 creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from
 March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however,
 commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to
 the QM Patch.

<br> Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until

Page **9** of **18**

October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
 but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or
 more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For
 a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for
 inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation),
 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
 Payment. The amount of the monthly payment on the loan is calculated using the maximum
 rate that may apply during the first five years and considers the monthly payment for
 simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As
 part of the "consider" requirement, Incenter Diligence will review the (i)
 creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated
 above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
 or a final automated underwriting system certification, showing how the creditor took
 these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family
 Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

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

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

Page **10** of **18**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Incenter Diligence will review the Client's: (i) policies and procedures
 and worksheets and (ii) methods and criteria for verification of income and assets (regardless
 of whether the "safe harbor" is utilized) for content only, and will not
 opine whether such policies and procedures, worksheets and verification methods and criteria
 themselves comply with applicable law, and cannot guarantee that a court, governmental
 regulator, rating agency or another third party diligence provider would reach the same
 conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&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. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

Page **11** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&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. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&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. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost
 Mortgage Repayment Ability Test (12
 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&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. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&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. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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

&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
 the data against the NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

Page **12** of **18**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&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. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's 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;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&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. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&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. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&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. If
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

Page **13** of **18**

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &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;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance,

and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception <br> Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Credit** <br> **Grade A** | &nbsp;&nbsp;**Credit** <br> **Grade B** | &nbsp;&nbsp;**Credit** <br> **Grade C** | &nbsp;&nbsp;**Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception <br> Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Compliance<br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception <br> Categories** | &nbsp;&nbsp;**Exception <br> Count** | &nbsp;&nbsp;**Property** <br> **Grade A** | &nbsp;&nbsp;**Property** <br> **Grade B** | &nbsp;&nbsp;**Property** <br> **Grade C** | &nbsp;&nbsp;**Property <br> Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of <br> Discrepancies** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |

---

Page **17** of **18**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**94.59%** |

---

Page **18** of **18**

## Exhibit 99.17

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.17**

TPR Firm: XXX Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan 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?** |
| XXX | 2025110582 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received XXX. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Title Document is missing Missing copy of complete XXX/commitment reflecting loan amount, lender name, XXX, legal description and all applicable schedules. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received XXX. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A |
| XXX | 2025110582 |  | XXX D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified XXX of Appraisal/Valuation Report. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open- - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Received Certified XXX of Appraisal/Valuation Report. - Due Diligence Vendor-XXX | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines XXX%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is XXX months.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of XXX |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XXX | XXX | XXX | N/A | N/A |

---

## Exhibit 99.18

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.18**

TPR Firm: XXX Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXX | 2025110582 |  | XXX | XXX D A |

---

## Exhibit 99.19

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.19**

TPR Firm: XXX Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 2025110582 |  | XXX | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXX | Not Eligible | 3.8 | XXX |

---

## Exhibit 99.20

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.20**

TPR Firm: XXX Report Date: XXX <br> Client Name: XXX Report: XXX <br> <u>Deal Name:</u> <u>XXX</u> <u>Loans in report:</u> <u>XXX</u>

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 2025110582 |  | XXX | XXX | Loan Type | the1003Page | XXX | XXX |
| XXX | 2025110582 |  | XXX | XXX | Property Value | propertyValuationPage | XXX | XXX |

---

## Exhibit 99.21

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.21**

![](ex9921001.jpg)

![](ex9921002.jpg)

**EXECUTIVE SUMMARY**

**AOMT 2025-11**

**October 7, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

---

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|:---|:---|
| 0 | &nbsp;&nbsp;P a g e |

---

![](ex9921001.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

---

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|:---|:---|
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---

![](ex9921001.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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![](ex9921001.jpg)

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Angel Oak Mortgage Fund EU B LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of sixty-five (65) mortgage loans that were originally reviewed from February 2022 to August 2025.

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

The mortgage loan review was broken down into the following review scopes:

■ "Compliance
 Review" 11<sup>1</sup> Mortgage Loans

■ "Credit
 Review" 65 Mortgage Loans

■ "Property
 Review" 65 Mortgage Loans

■ "Data
 Integrity" 65 Mortgage Loans

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

Infinity 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 Infinity.

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

For sixty-five (65) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Nine (9) exempt loans were not subject to a compliance review and did not receive a compliance grade. Forty-five (45) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

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&nbsp;&nbsp;&nbsp;&nbsp;

![](ex9921001.jpg)

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

Infinity conducted a credit review for sixty-five (65) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity 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.

There were 3 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity 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:** Infinity'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, Infinity: (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 date 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:** Infinity 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:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (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

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

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![](ex9921001.jpg)

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.

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

**Fraud Review:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity 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:** Infinity'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:** Infinity 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.

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for nine (9) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for sixty-five (65) mortgage loans. For these sixty-five (65) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity'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. Infinity'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

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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, Infinity'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 Infinity'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 Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity 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 Infinity'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.

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

Infinity completed a Compliance Review on eleven (11) mortgage loans. Nine (9) exempt loans were not subject to a compliance review and did not receive a compliance grade. Forty-five (45) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

Please be advised that Infinity 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

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future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity 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):</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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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;e) <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.

&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> 

&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, Infinity 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, Infinity'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;g) <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;h) <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;i) <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;j) <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.

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

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

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

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

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

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

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

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

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

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

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

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

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

&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

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&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 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 any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

vi) 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;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

ix) 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 were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

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

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

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

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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 SFIG 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)).

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity 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, Infinity 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) 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.

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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing

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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, Infinity 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>

Infinity 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.

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity 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;**

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**(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**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

Infinity 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;■ Initial
 application (1003);

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

---

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

---

![](ex9921001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
 disclosures;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

---

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

---

![](ex9921001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, S&P Global Ratings ("S&P") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (65 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers sixty-five (65) mortgage loans. Within those mortgage loans, Infinity graded sixty-four (64) mortgage loans as "A" and one (1) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;64 | &nbsp;&nbsp;65 | &nbsp;&nbsp;64 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.46% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 | &nbsp;&nbsp;64 | &nbsp;&nbsp;65 | &nbsp;&nbsp;64 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.46% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;98.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

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

---

![](ex9921001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (65 MORTGAGE LOANS)**

Of the sixty-five (65) mortgage loans reviewed, 50 (76.92%) mortgage loans had tape discrepancies across five (5) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;37 | &nbsp;&nbsp;65 | &nbsp;&nbsp;56.92% |
| &nbsp;&nbsp;GSE Eligible Flag | &nbsp;&nbsp;46 | &nbsp;&nbsp;65 | &nbsp;&nbsp;70.77% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;42 | &nbsp;&nbsp;65 | &nbsp;&nbsp;64.62% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;65 | &nbsp;&nbsp;9.23% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (65 MORTGAGE LOANS)**

\*Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;65 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19086943.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19086943.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19086943.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19086943.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;9 | &nbsp;&nbsp;13.85% | &nbsp;&nbsp;$2173750.00 | &nbsp;&nbsp;11.39% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;55 | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;$16785693.00 | &nbsp;&nbsp;87.94% |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;$127500.00 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19086943.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.54% | &nbsp;&nbsp;$226500.00 | &nbsp;&nbsp;1.19% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;64 | &nbsp;&nbsp;98.46% | &nbsp;&nbsp;$18860443.00 | &nbsp;&nbsp;98.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19086943.00** | &nbsp;&nbsp;**100.00%** |

---

---

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

---

![](ex9921001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;11 | &nbsp;&nbsp;16.92% | &nbsp;&nbsp;$3986685.00 | &nbsp;&nbsp;20.89% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;54 | &nbsp;&nbsp;83.08% | &nbsp;&nbsp;$15100258.00 | &nbsp;&nbsp;79.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19086943.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;MoFin DSCR Loan Underwriting Guidelines - March 11 2025 (v3.12).pdf |
| &nbsp;&nbsp;Selling Guide Fannie Mae |
| &nbsp;&nbsp;Selling Guides Freddie Mac |

---

---

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

---

## Exhibit 99.22

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.22**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| XXX | 2025110635 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025110637 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025110604 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025110631 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025110636 | XXX | XXX | XXX | XXX | XXX A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| XXX | 2025110626 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025110639 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| XXX | 2025110617 | XXX | XXX | XXX | XXX | XXX B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| XXX | 2025110640 | XXX | XXX | XXX | XXX | XXX A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.23

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| XXX | 2025110604 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110635 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110617 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110636 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110626 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | ClearCapital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110639 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110637 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110631 |  | XXX | XXX | Not Applicable | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| XXX | 2025110640 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX |  |  |  |  |  |  | XXX | XXX | 0.000% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |

---

## Exhibit 99.24

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| XXX | 2025110604 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report |  |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025110635 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | DSCR | QC Complete | XXX |
| XXX | 2025110617 |  | XXX | XXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing flood cert - XXX<br> COMMENT: Missing Flood Cert.<br>Resolved XXX - Received flood certificate, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - XXX<br> COMMENT: Allowing XXX as XXX owns XXX% of the entity , but is not providing a XXX.<br>A copy of an exception approval letter is available in the loan file. | DSCR: XXX DSCR exceeds the guideline requirement of XXX.<br>FICO: XXX FICO exceeds the guideline requirement of XXX.<br>Reserves: The XXX months of available reserves are more than the guideline requirement of XXX months. | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | No Documentation | QC Complete | XXX |
| XXX | 2025110636 |  | XXX | XXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - XXX<br> COMMENT: Missing signed application.<br>Resolved XXX : Received signed copy of 1003 application, condition resolved |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | DSCR | QC Complete | XXX |
| XXX | 2025110626 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | DSCR | QC Complete | XXX |
| XXX | 2025110639 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | DSCR | QC Complete | XXX |
| XXX | 2025110637 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | DSCR | QC Complete | XXX |
| XXX | 2025110631 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report | XXX |  |  | DSCR | QC Complete | XXX |
| XXX | 2025110640 |  | XXX | XXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  | Mos Reviewed:XXX<br> Times XXX<br> Times XXX<br> Times XXX<br> Currently Delinquent? :XXX<br> Total Delinquent:<br> Mortgage/Rent Dlq Last XXX Mos:XXX<br> Max Days Dlq Last XXX Mos:XXX<br> Verification Type:Credit Report |  |  | No | No Documentation | QC Complete | XXX |

---

## Exhibit 99.25

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| XXX | 2025110617 |  | XXX | XXX | XXX | XXX | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | XXX | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Missing Flood Cert.<br>Resolved XXX - Received flood certificate, condition resolved. | Resolved XXX - Received flood certificate, condition resolved. | Resolved XXX - Received flood certificate, condition resolved. |  |  | QC Complete | XXX | XXX | XXX | XXX |
| XXX | 2025110617 |  | XXX | XXX | XXX | XXX | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | XXX | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing XXX as XXX owns XXX% of the entity , but is not providing a XXX.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: XXX DSCR exceeds the guideline requirement of XXX.<br>FICO: XXX FICO exceeds the guideline requirement of XXX.<br>Reserves: The XXX months of available reserves are more than the guideline requirement of XXX months. |  | QC Complete | XXX |  |  | XXX |
| XXX | 2025110636 |  | XXX | XXX | XXX | XXX | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | XXX | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing signed application.<br>Resolved XXX : Received signed copy of 1003 application, condition resolved | Resolved XXX : Received signed copy of 1003 application, condition resolved | Resolved XXX : Received signed copy of 1003 application, condition resolved |  |  | QC Complete | XXX | XXX | XXX | XXX |

---

## Exhibit 99.26

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.26**

**Data Compare**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** |

---

## Exhibit 99.27

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.27**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan 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** |
| 2025110671 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Note & XXX Sign document has received - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Note is an eNote that was XXX. XXX is wet signed because it was not a XXX (XXX). Signatures are both XXX - Buyer-XXX <br> Open-Update note appears to be e-signed and the e-signature does not match wet ink signature on deed of trust. If there is a wet ink note signature if will most likely be sufficient. - Due Diligence Vendor-XXX<br> Open-Borrower 1 Signature does not match Note Missing signature page of note to determine if they match. - Due Diligence Vendor-XXX |  | Resolved-Note & DOT Sign document has received - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110671 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Open-The Note is Incomplete Missing signature page XXX and later pages after XXX. Waivers - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110672 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110673 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110674 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX lists Credit Report XXX which is dated XXX. Closing was XXX. Report is only XXX days from Note. - Buyer-XXX<br> Open-Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). - Due Diligence Vendor-XXX |  | Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110675 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-XXX-mortgage statement received. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Property: XXX - Mortgage Statement is missing in the loan file - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-mortgage statement received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110675 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is not required for XXX and XXX loans. - Due Diligence Vendor-XXX<br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is not required for XXX and XXX loans. - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110676 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110677 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property related XXX statement is provided condition got cleared - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-XXX statement is missing for the property - XXX - Due Diligence Vendor-XXX |  | Resolved-Property related HOA statement is provided condition got cleared - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110677 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is not required for XXX and XXX loans. - Due Diligence Vendor-XXX<br> Open-Missing Third Party Fraud Report Third Party Fraud Report is Missing - Due Diligence Vendor-XXX |  | Resolved-Third Party Fraud Report is not required for XXX and XXX loans. - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110678 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110679 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110680 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower XXX Citizenship Documentation Not Provided | Resolved-Resolved-XXX-Borrower 1 XXX Documentation received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower 2 XXX Documentation Is Missing (Number of Borrowers equals XXX Borrower XXX XXX Doc Locator is Missing) Missing copy of XXX or XXX worksheet showing ID provided. - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-Borrower 1 Citizenship Documentation received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110680 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower XXX Citizenship Documentation Not Provided | Resolved-Resolved-XXX-Borrower 1 XXX Documentation received. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower 1 XXX Documentation Is Missing Missing copy of XXX or XXX worksheet showing ID provided. - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-Borrower 1 Citizenship Documentation received. - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110681 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower XXX Citizenship Documentation Not Provided | Resolved-Resolved-XXX-Borrower 1 XXX Documentation received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower 1 XXX Documentation Is Missing Missing XXX or XXX worksheet showing ID used. - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-Borrower 1 Citizenship Documentation received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110681 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower XXX Citizenship Documentation Not Provided | Resolved-Resolved-XXX-Borrower 1 XXX Documentation received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Borrower 2 XXX Documentation Is Missing (Number of Borrowers equals XXX Borrower XXX XXX Doc Locator is Missing) Missing XXX or XXX worksheet showing ID used. - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-Borrower 1 Citizenship Documentation received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110682 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110683 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement for XXX #XXX is received resubmission XXX (XXX) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing mortgage statement for XXX #XXX - Due Diligence Vendor-XXX |  | Resolved-Mortgage statement for XXX mortgage #XXX is received XXX XXX (XXX) - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110684 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110685 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110686 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110687 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX & XXX Is Not Eligible/Unavailable And A Third-Party valuation product for the subject property is available in Resubmission - Due Diligence Vendor-XXX <br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) Provide the Third-Party valuation product for the subject property. - Due Diligence Vendor-XXX |  | Resolved-XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third-Party valuation product for the subject property is available in XXX - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110688 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Property related document is provided condition got cleared - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Appraisal effective date is XXX, signature date is XXX and the license expires on XXX. The appraisal was also "as is" and a followup inspection was not needed. XXX was effective during the appraiser's valuation. - Buyer-XXX <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-XXX |  | Resolved-Property related document is provided condition got cleared - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110688 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX |  | A Third Party Valuation Product Was Not Provided |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110689 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Borrower XXX Personal Tax Returns Less Than XXX Months Provided | Resolved- - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. XXX says only the "most recent Tax Return" required for the rental income, not XXX years. The Wage income comes from the Work # that shows the last XXX years of income.<br> - Buyer-XXX<br> Open-Borrower 1 XXX Tax Returns Less Than XXX Months Provided As Per Guideline 1 XXX Tax Returns enough - Due Diligence Vendor-XXX |  |  |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110689 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or XXX fees for non-subject property | Resolved- - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Missing verification for XXX for XXX - Due Diligence Vendor-XXX |  |  |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110690 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110691 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110692 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Resolved-Complete Note has been provided with borrower signature. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Note is Incomplete The Note document is Incomplete, Require all pages & signature copy. - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Resolved-Complete Note has been provided with borrower signature. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110693 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX Document is provided to cover the XXX Report - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) Provide A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided to cover the XXX Report - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110694 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110695 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110695 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Resolved-The Note Document has provided which is signed Doc - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Note is Incomplete, signature page is missing. - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Resolved-The Note Document has provided which is signed Doc - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110696 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the XXX | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-XXX Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $XXX is less than the minimum required coverage amount of $XXX Missing evidence of sufficient hazard insurance OR satisfactory XXX (replacement cost estimate) - Due Diligence Vendor-XXX |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110697 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Note is Incomplete Note is missing signature page - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110698 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved- Desk Review is available with Moderate Risk . - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) Need A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) - Due Diligence Vendor-XXX |  | Resolved- Desk Review is available with Moderate Risk . - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110698 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the improvements: XXX / XXX Installation Completion Report is fully present. - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not fully Present - Due Diligence Vendor-XXX |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the improvements: XXX / Landscape Installation Completion Report is fully present. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110699 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110700 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110701 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Reseolved-XXX-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Funds to close are coming from a $XXX draw on XXX XXX. <br> - Buyer-XXX<br> Open-Total Liquid Assets Available for Close of XXX is less than Total Cash to Close XXX. Provide the asset statement for XXX - XXX that reflects the balance XXX. - Due Diligence Vendor-XXX |  | Resolved-Reseolved-XXX-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110701 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-XXX is available on resubmission with Risk Score as Low Risk - Due Diligence Vendor-XXX<br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) Cu score is more than XXX, However the XXX document is missing in the loan file. - Due Diligence Vendor-XXX<br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) - Due Diligence Vendor-XXX |  | Resolved-XXX is available on resubmission with Risk Score as Low Risk - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110702 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-Resolved-XXX-XXX Document received - Due Diligence Vendor-XXX<br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) CU score showing above the XXX%. However XXX is required. - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-XXX Document received - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110703 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Disclosures (XXX, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved XXX: Received XXX document for survey fee increased and exception was cleared. - Due Diligence Vendor-XXX<br> Resolved- - Due Diligence Vendor-XXX <br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*\*\*\*\*• Within the Initial Loan Estimates issued XXX, Survey Fee was disclosed to the consumer in Section B, Services You Cannot Shop For, in the amount of XXX. Therefore, Survey charge is subject to XXX tolerance since the creditor did not allow the consumer to shop. Final Charge to borrower increased to $XXX. An invoice coming in higher than expected is not a valid changed circumstance to determine good faith. Additionally the survey invoice is dated XXX, and a revised Closing Disclosure was also issued XXX with the survey charge showing $XXX. For either and both of these reasons a XXX% tolerance cure in the amount of $XXX is required. Please provide XXX, XXX, copy of refund check and proof of mailing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Resolved XXX: Received XXX document for survey fee increased and exception was cleared. - Due Diligence Vendor-XXX<br> Resolved- - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110703 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved XXX: Received XXX document for survey fee increased and exception was cleared. - Due Diligence Vendor-XXX<br> Resolved- - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*\*\*\*\*\*• Within the Initial Loan Estimates issued XXX, Survey Fee was disclosed to the consumer in Section B, Services You Cannot Shop For, in the amount of $XXX. Therefore, Survey charge is subject to XXX tolerance since the creditor did not allow the consumer to shop. Final Charge to borrower increased to XXX. An invoice coming in higher than expected is not a valid changed circumstance to determine good faith. Additionally the survey invoice is dated XXX, and a revised Closing Disclosure was also issued XXX with the survey charge showing XXX. For either and both of these reasons a XXX% tolerance cure in the amount of $XXX is required. Please provide XXX, XXX, copy of refund check and proof of mailing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Resolved XXX: Received XXX document for survey fee increased and exception was cleared. - Due Diligence Vendor-XXX<br> Resolved- - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110703 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Compliance | XXX Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<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).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §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). \*\*\*\*\*\*\*\*\*• Within the Initial Loan Estimates issued XXX, Survey Fee was disclosed to the consumer in Section B, Services You Cannot Shop For, in the amount of XXX. Therefore, Survey charge is subject to XXX tolerance since the creditor did not allow the consumer to shop. Final Charge to borrower increased to XXX. An invoice coming in higher than expected is not a valid changed circumstance to determine good faith. Additionally the survey invoice is dated XXX, and a revised Closing Disclosure was also issued XXX with the survey charge showing XXX. For either and both of these reasons a XXX% tolerance cure in the amount of XXX is required. Please provide XXX, XXX, copy of refund check and proof of mailing. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved- - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110703 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than XXX Months | Resolved-Borrower XXX Total Years Employment Verified is Greater Than or Equal To XXX Months - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Borrower worked at XXX from XXX to present. Previous employment with XXX from XXX to XXX. Work # has been provided for XXX employments with income for each year. This is XXX years of verified employment as a registered XXX (XXX) which is the same line of work. - Seller-XXX<br> Open-Borrower XXX Total Years Employment Verified is Less Than XXX Months Borrower has been employed with XXX since XXX. Previous employment was verified with XXX showing an end date of XXX. - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. Borrower worked at XXX Hospital from XXX to present. Previous employment with XXX from XXX to XXX. Work # has been provided for both employments with income for each year. This is XXX years of verified employment as a registered nurse (XXX) which is the same line of work. - Seller-XXX | Resolved-Borrower XXX Total Years Employment Verified is Greater Than or Equal To XXX Months - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110703 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XXX is prior to the Disbursement Date of XXX - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Seller-XXX<br> Open-Hazard Insurance Effective Date of XXX is after the Disbursement Date of XXX - Due Diligence Vendor-XXX | Ready for Review-Document Uploaded. - Seller-XXX | Resolved-Hazard Insurance Effective Date of XXX is prior to the Disbursement Date of XXX - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110704 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-XXX Document is provided to cover the CU Scores - Due Diligence Vendor-XXX<br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) CU Score Is Greater Than XXX (CU Score Is XXX). Per XXX guidelines this only means that the property is not eligible for XXX & XXX. - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided to cover the CU Scores - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110705 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX Document is provided to cover the LPA Scores - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) XXX & XXX Is Not Eligible - Required Desk Review. - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110706 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided during Resubmission - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) Provide the Third-Party valuation report. - Due Diligence Vendor-XXX |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110706 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-XXX<br> Open-Provide executed Business Purpose Disclosure. - Due Diligence Vendor-XXX |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110707 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110708 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Note is Incomplete Provide all pages of the fully executed Note. - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110709 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Property related document is provided condition got cleared - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Mortgage Statement(s) Missing for the property "XXX " - Due Diligence Vendor-XXX |  | Resolved-Property related document is provided condition got cleared - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110709 |  | D A | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property related documents is provided condition got cleared - Due Diligence Vendor-XXX<br> Open-Missing verification of taxes, insurance, and/or XXX fees for missing for the property "XXX". - Due Diligence Vendor-XXX |  | Resolved-Property related documents is provided condition got cleared - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110710 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-Document Uploaded. Condition resolved desk review completed. - Due Diligence Vendor-XXX <br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) - Due Diligence Vendor-XXX |  | Resolved-Document Uploaded. Condition resolved desk review completed. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110710 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the XXX | Resolved-XXX & XXX Document is provided. XXX Attached -(Hazard Insurance Coverage in the amount of $XXX is less than the minimum required coverage amount of $XXX. However XXX will cover the dwelling amount) - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $XXX is less than the minimum required coverage amount of $XXX Provide documentation to support the replacement cost used for the subject property. - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided. XXX Attached -(Hazard Insurance Coverage in the amount of $XXX is less than the minimum required coverage amount of $XXX. However XXX will cover the dwelling amount) - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110711 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110712 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110713 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Exempt | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110714 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110715 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110716 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than XXX Required Reserves (Dollar Amount) | Resolved-Reseolved-XXX-Per XXX XXX, If the lender has documented reserves that equal at least XXX% of the Reserves Required. - Due Diligence Vendor-XXX<br> Ready for Review-Per XXX XXX, If the lender has documented reserves that equal at least XXX% of the Reserves Required to be Verified per the XXX Underwriting Findings report, no resubmission required. - Buyer-XXX <br> Open-Audited Reserves of $XXX are less than XXX Required Reserves of $XXX - Due Diligence Vendor-XXX |  | Resolved-Reseolved-XXX-Per XXX XXX, If the lender has documented reserves that equal at least XXX% of the Reserves Required. - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110717 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX & XXX Is Not Eligible/Unavailable And XXX for the subject property is available in Resubmission - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided<br> The Collateral Underwriter Risk Score is XXX - Due Diligence Vendor-XXX |  | Resolved-XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And XXX for the subject property is available in Resubmission - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110717 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-The Note is Incomplete as Signature page is missing . - Due Diligence Vendor-XXX |  | Resolved-The Note is Present - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110718 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the XXX Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is. Completion Report (XXX) is missing - Due Diligence Vendor-XXX |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the XXX Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110719 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Income | Borrower XXX XXX Less Than XXX Months Provided | Resolved-As per XXX XXX year XXX is sufficient for review. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. Per XXX, only the most recent Tax Returns are required for businesses XXX years old or more. Both business are over XXX years old. XXX are not required per XXX, but the XXX & XXX XXX are in file for XXX. XXX is negative income and no additional docs are needed. - Buyer-XXX<br> Open-Borrower 1 XXX Less Than XXX Months Provided Missing XXX XXX for XXX from XXX. - Due Diligence Vendor-XXX |  | Resolved-As per XXX XXX year XXX is sufficient for review. - Due Diligence Vendor-XXX |  |  | XXX.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110720 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product XXX / XXX is received - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) - Due Diligence Vendor-XXX |  | Resolved-XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product XXX / XXX is received - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110720 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the XXX | Resolved-Coverage is sufficient as XXX is received during Resubmission. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX <br> Open-XXX Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $XXX is less than the minimum required coverage amount of $XXX Hazard Insurance Coverage in the amount of $XXX is less than the minimum required coverage amount of $XXX However in appraisal report Total Estimate of Cost-New is XXX. - Due Diligence Vendor-XXX |  | Resolved-Coverage is sufficient as XXX is received during Resubmission. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110720 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD & Appraisal page XXX for verification of taxes, insurance, and/or XXX fees for XXX, XXX, XXX - Due Diligence Vendor-XXX<br> Open-Missing verification of taxes, insurance, and/or XXX fees for property "XXX,XXX, XXX". - Due Diligence Vendor-XXX |  | Resolved-Received CD & Appraisal page XXX for verification of taxes, insurance, and/or HOA fees for XXX,XXX, XXX properties - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110720 |  | D A C | Closed | XXX | XXX | XXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Received mortgage statement for XXX, XXX, XXX . - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Mortgage Statement(s) Missing "XXX, XXX, XXX". - Due Diligence Vendor-XXX |  | Resolved-Received mortgage statement for XXX, XXX, XXX properties . - Due Diligence Vendor-XXX |  |  | XXX.pdf<br> XXX.pdf<br> XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110721 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | XXX |  |  |  |
| 2025110722 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA |  |  |  |
| 2025110723 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-Resolved-XXX-Deskreview document received. - Due Diligence Vendor-XXX<br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) CU Score Is Greater Than XXX , However Third Party Valuation Product Was Not Provided - Due Diligence Vendor-XXX |  | Resolved-Resolved-XXX-Deskreview document received. - Due Diligence Vendor-XXX |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110723 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the XXX Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report XXX is Missing In File - Due Diligence Vendor-XXX |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110724 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than XXX And A Third Party Valuation Product Was Not Provided | Resolved-Document Uploaded. - Due Diligence Vendor-XXX<br> Resolved-CU Score Is Greater Than XXX (CU Score Is XXX) & XXX is received during Resubmission - Due Diligence Vendor-XXX<br> Open-CU Score Is Greater Than XXX And A Third Party Valuation Product Was Not Provided (CU Score Is XXX) CU Score more then XXX - Required Desk Review. - Due Diligence Vendor-XXX |  | Resolved-Document Uploaded. - Due Diligence Vendor-XXX<br> Resolved-CU Score Is Greater Than XXX (CU Score Is XXX) & AVM is received during Resubmission - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110724 |  | C A | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the XXX Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Resolved-XXX received. - Due Diligence Vendor-XXX<br> Ready for Review-Document Uploaded. - Buyer-XXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (XXX) is not fully Present Primary Value Subject Property Appraisal is not on an As-Is. However XXX is missing - Due Diligence Vendor-XXX |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-XXX<br> Resolved-Resolved-XXX-1004D received. - Due Diligence Vendor-XXX |  |  | XXX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110725 |  | A | Closed | XXX | XXX | XXX | Resolved | 1 - Information A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Rescinded-XXX document received. - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) - Due Diligence Vendor-XXX |  | Rescinded-XXX document received. - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110726 |  | C A B | Closed | XXX | XXX | XXX | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Resolved - XXX approved loan - 1008 is not required - Due Diligence Vendor-XXX<br> Ready for Review-XXX approved loan - 1008 is not required - Buyer-XXX<br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-XXX |  | Resolved-Resolved - XXX-XXX approved loan - 1008 is not required - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |
| 2025110726 |  | C A B | Closed | XXX | XXX | XXX | Resolved | 1 - Information C A | Property | Third Party Valuation | XXX Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX<br> Open-XXX & XXX Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (XXX & XXX Status Is Not Eligible) CU also over XXX - Due Diligence Vendor-XXX |  | Resolved-XXX Document is provided to cover the XXX Scores - Due Diligence Vendor-XXX |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XXX | XXX | NA | N/A | N/A | XXX |

---

## Exhibit 99.28

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.28**

---

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| **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** |
| 2025110671 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible |  |  |
| 2025110672 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0501 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110673 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Not Eligible | 1 | XXX |
| 2025110674 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  | XXX | XXX | .0068 | XXX | 0.05 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110675 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXX |
| 2025110676 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Not Eligible | 1 | XXX |
| 2025110677 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXX |
| 2025110678 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXX | Eligible |  |  |
| 2025110679 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Eagle Home Mortgage Reviewer aci Sky review | Pass | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXX |
| 2025110680 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXX | Not Eligible | 2 | XXX |
| 2025110681 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXX | Eligible | 1 | XXX |
| 2025110682 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1 | XXX |
| 2025110683 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible | 1 |  |
| 2025110684 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Not Eligible | 1 | XXX |
| 2025110685 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110686 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible | 1.1 | XXX |
| 2025110687 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110688 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0450 | XXX | 0.05 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110689 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXX | Eligible | 1 | XXX |
| 2025110690 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXX | Not Eligible | 1.9 | XXX |
| 2025110691 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXX |
| 2025110692 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110693 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0321 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0321 | XXX | 0.12 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110694 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ACI Sky | Pass | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110695 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0186 | XXX | 0.02 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110696 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ACI Sky | Pass | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 | XXX |
| 2025110697 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | .0000 | XXX |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXX |
| 2025110698 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0013 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0013 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110699 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110700 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025110701 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ClearCapital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXX |
| 2025110702 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXX | XXX | .0081 | XXX | 0.08 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXX |
| 2025110703 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXX |
| 2025110704 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1017 | XXX | 0.1 | Clear Capital | XXX | XXX | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2025110705 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0355 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0355 | XXX | 0.08 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110706 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0034 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0034 | XXX | 0.05 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Not Eligible |  |  |
| 2025110707 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Not Eligible | 1 |  |
| 2025110708 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110709 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.1058 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1058 | XXX | 0.07 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 | XXX |
| 2025110710 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110711 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ACI Sky | Pass | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXX |
| 2025110712 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2025110713 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ACI SKY | Pass | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110714 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110715 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110716 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110717 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0299 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0299 | XXX | 0.06 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | Not Eligible |  |  |
| 2025110718 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110719 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | ACI SKY | Pass | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX | Eligible |  |  |
| 2025110720 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1621 | XXX | 0.06 | Clear Capital | XXX | XXX | XXX | XXX | .0000 | ClearCapital | Moderate Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2025110721 |  |  | XXX | XXX |  | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110722 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| 2025110723 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXX |
| 2025110724 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | .0260 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0260 | XXX | 0.5 | Clear Capital | XXX | XXX | XXX | XXX | .0000 | Clear Capital | Low Risk | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2025110725 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | -.0666 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0666 | XXX | 0.02 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | XXX | Not Eligible |  |  |
| 2025110726 |  |  | XXX | XXX | XXX | XXX | XXX | XXX | 1073 XXX Report | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0905 | XXX | 0.05 | Clear Capital | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 | XXX |

---

## Exhibit 99.29

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.29**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2025110671 |  |  | XXX C D A |
| 2025110672 |  |  | XXX A |
| 2025110673 |  |  | XXX A |
| 2025110674 |  |  | XXX C A |
| 2025110675 |  |  | XXX D A |
| 2025110676 |  |  | XXX A |
| 2025110677 |  |  | XXX D A |
| 2025110678 |  |  | XXX A |
| 2025110679 |  |  | XXX A |
| 2025110680 |  |  | XXX D A |
| 2025110681 |  |  | XXX D A |
| 2025110682 |  |  | XXX A |
| 2025110683 |  |  | XXX D A |
| 2025110684 |  |  | XXX A |
| 2025110685 |  |  | XXX A |
| 2025110686 |  |  | XXX A |
| 2025110687 |  |  | XXX A C |
| 2025110688 |  |  | XXX A C |
| 2025110689 |  |  | XXX D A |
| 2025110690 |  |  | XXX A |
| 2025110691 |  |  | XXX A |
| 2025110692 |  |  | XXX A D |
| 2025110693 |  |  | XXX A C |
| 2025110694 |  |  | XXX A |
| 2025110695 |  |  | XXX A D C |
| 2025110696 |  |  | XXX C A |
| 2025110697 |  |  | XXX A D |
| 2025110698 |  |  | XXX A C |
| 2025110699 |  |  | XXX A |
| 2025110700 |  |  | XXX A |
| 2025110701 |  |  | XXX C A |
| 2025110702 |  |  | XXX A C |
| 2025110703 |  |  | XXX C A |
| 2025110704 |  |  | XXX A C |
| 2025110705 |  |  | XXX A C |
| 2025110706 |  |  | XXX A D C |
| 2025110707 |  |  | XXX A |
| 2025110708 |  |  | XXX A D |
| 2025110709 |  |  | XXX D A |
| 2025110710 |  |  | XXX C A |
| 2025110711 |  |  | XXX A |
| 2025110712 |  |  | XXX A |
| 2025110713 |  |  | XXX A |
| 2025110714 |  |  | XXX A |
| 2025110715 |  |  | XXX A |
| 2025110716 |  |  | XXX C A |
| 2025110717 |  |  | XXX A D C |
| 2025110718 |  |  | XXX A C |
| 2025110719 |  |  | XXX C A |
| 2025110720 |  |  | XXX D A C |
| 2025110721 |  |  | XXX A |
| 2025110722 |  |  | XXX A |
| 2025110723 |  |  | XXX A C |
| 2025110724 |  |  | XXX A C |
| 2025110725 |  |  | XXX A |
| 2025110726 |  |  | XXX B A C |

---

## Exhibit 99.30

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.30**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2025110671 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110671 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110671 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110672 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110672 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110672 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110674 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110674 |  |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |  |
| 2025110674 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110675 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110675 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110676 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110676 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110676 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110677 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110677 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110677 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110678 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110678 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2025110678 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110679 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110679 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110679 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110680 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110680 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110680 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110681 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110681 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110682 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110682 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110682 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110683 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110683 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110683 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110684 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110684 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110685 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110685 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110685 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110686 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110686 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110686 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110688 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110688 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110688 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2025110688 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110689 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110689 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110689 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110690 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110690 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110690 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110691 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110691 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110691 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110692 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110692 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2025110692 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110693 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110693 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110694 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110694 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110695 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110695 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110695 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110696 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110696 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110696 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110697 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110698 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110698 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110698 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110699 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110699 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110702 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110702 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110702 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2025110702 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110703 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110703 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110703 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110704 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110704 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110704 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110705 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110705 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110705 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110707 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110707 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110707 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110709 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110709 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110709 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110710 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110710 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110710 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110711 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110711 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110711 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110712 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110712 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110713 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110714 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110714 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110715 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110715 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110716 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110716 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110717 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110717 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110718 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110718 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110719 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110719 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110720 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2025110720 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110720 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110721 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110722 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110722 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110722 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110723 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110723 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110723 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX |  |
| 2025110723 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110724 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110724 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110724 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |
| 2025110725 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110725 |  |  | XXX | CLTV | propertyValuationPage | XXX | XXX |  |
| 2025110726 |  |  | XXX | Property County | deedOfTrustPage | XXX | XXX |  |
| 2025110726 |  |  | XXX | GSE Eligible Flag | employmentIncomePage | XXX | XXX |  |

---

## Exhibit 99.31

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.31**

Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Description
 of the Due Diligence Services

&nbsp;&nbsp;&nbsp;&nbsp;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 February 2025 to April 2025 and were collateralized by residential real estate and small balance commercial properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by Angel Oak Mortgage Fund EU B LLC (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.

&nbsp;&nbsp;&nbsp;&nbsp;2. Sample
 Size of Assets Reviewed

This report reflects 3 loans selected by the Client to include in AOMT 2025-11 (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%.

&nbsp;&nbsp;&nbsp;&nbsp;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 3 loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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:

---

| | |
|:---|:---|
| **Field Name** | **Field Name** |
| Amortization Type | Total Debt to Income Ratio |
| Amortized Original Term | First Payment Date |
| Appraised Value | Interest Only Flag |
| ARM Initial Adjustment Period | Lien Position |
| ARM Initial Rate Cap | Loan Purpose |
| ARM Lookback Period | Loan Term |
| ARM Margin | Loan Type |
| ARM Maximum Interest Rate | LTV |
| ARM Minimum Interest Rate | Note Date |
| ARM Payment Change Frequency | Occupancy |
| ARM Periodic Rate Cap | Original Interest Rate |
| ARM Periodic Rate Cap at first Adjustment Down | Original Principal and Interest |

---

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 1

---

| | |
|:---|:---|
| ARM Periodic Rate Cap at first Adjustment Up | Original Principal Balance |
| ARM Rate Cap at first Adjustment Down | Property Type |
| ARM Rate Cap at first Adjustment Up | Representative Credit Score |
| ARM Rate Change Frequency | Residual Income |
| ATR/QM Designation | Sales Price |
| Borrower First Name | Subject Address |
| Borrower Last Name | Subject City |
| CLTV | Subject State |
| Doc Type | Subject Zip Code |

---

&nbsp;&nbsp;&nbsp;&nbsp;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)

Credit Application (FNMA Form 1003)

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 2

- 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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) (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;&nbsp;&nbsp;&nbsp;&nbsp;a. Was
 the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;e. Is
 a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;h. Does
 the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does
 the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does
 the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does
 the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was
 the appraisal reported on a FNMA appraisal form?

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;

&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;&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?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Regulatory
 Compliance Review to Federal, State and Local Lending Laws

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review. The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For the one (1) business purpose loan, no compliance testing was completed, and a compliance grade of "A" was assigned.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;● 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))

&nbsp;&nbsp;&nbsp;&nbsp;● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;● Provided within 3 business days of application

○ Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;● Identify points and fees and/or APR threshold test failures

&nbsp;&nbsp;&nbsp;&nbsp;● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;● Review accuracy, timing and content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;● Perform points and fees test to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;● Adherence to Appendix Q and DTI below 43%

&nbsp;&nbsp;&nbsp;&nbsp;● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;● Contain a valid and approved AUS

&nbsp;&nbsp;&nbsp;&nbsp;● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

&nbsp;&nbsp;&nbsp;&nbsp;● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;● (v) The consumer's monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;● (vi) The consumer's current debt obligations, alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;● (vii) The consumer's monthly debt-to-income ratio or residual income in accordance with paragraph (c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;● Provided within three (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;● Complete in all material respects

&nbsp;&nbsp;&nbsp;&nbsp;● Contains NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

&nbsp;&nbsp;&nbsp;&nbsp;● 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

&nbsp;&nbsp;&nbsp;&nbsp;● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;● No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;● Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;● 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

● 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

&nbsp;&nbsp;&nbsp;&nbsp;● Confirm GFE and HUD-1

● Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;● Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;● Affiliated Business Arrangement Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 5

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.

---

| | | |
|:---|:---|:---|
| **TRID Tested** | **No. of Loans** | **% of Population** |
| No | 1 | 33.33% |
| Yes | 2 | 66.67% |
| **Total** | **3** | **100%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;8. Any
 Other Type of Review

There was no other review performed.

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 6

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&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.

---

| | | |
|:---|:---|:---|
| **NRSRO Final Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| **Total** | **3** | **100%** |
| **NRSRO Final Credit Grade** | **No. of Loans** | **% of Population** |
| A | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **NRSRO Final Compliance Grade** | **No. of Loans** | **% of Population** |
| A | 3 | 100.00% |
| **Total** | **3** | **100%** |
| **NRSRO Final Property Grade** | **No. of Loans** | **% of Population** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| **Total** | **3** | **100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **No. of Loans** | &nbsp;&nbsp;&nbsp;&nbsp;**% of Population** |
| Fixed Rate | 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100.00% |
| **Total** | 3 | **100%** |
| **Lien Position** | **No. of Loans** | &nbsp;&nbsp;**% of Population** |
| 1st | **3** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100.00% |
| **Total** | 3 | **100%** |
| **Purpose** | **No. of Loans** | &nbsp;&nbsp;**% of Population** |
| Other-than-first-time Home Purchase | 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 7

---

| | | |
|:---|:---|:---|
| **Property Type** | **No. of Loans** | **% of Population** |
| Single Family Detached (non-PUD) | 1 | 33.33% |
| Condo, Low Rise (4 or fewer stories) | 2 | 66.67% |
| **Total** | **3** | **100%** |
| **LTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **0** | 0.00% |
| **60.01- 70.00** | **1** | 33.33% |
| **70.01- 80.00** | **2** | 66.67% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **3** | **100%** |
| **CLTV** | **No. of Loans** | **% of Population** |
| **00.01- 10.00** | **0** | 0.00% |
| **10.01- 20.00** | **0** | 0.00% |
| **20.01- 30.00** | **0** | 0.00% |
| **30.01- 40.00** | **0** | 0.00% |
| **40.01- 50.00** | **0** | 0.00% |
| **50.01- 60.00** | **0** | 0.00% |
| **60.01- 70.00** | **1** | 33.33% |
| **70.01- 80.00** | **2** | 66.67% |
| **80.01- 90.00** | **0** | 0.00% |
| **90.01- 100.00** | **0** | 0.00% |
| **Total** | **3** | **100%** |

---

Inglet Blair, LLC Deal Summary<br> AOMT 2025-11<br> pg. 8

## Exhibit 99.32

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.32**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Exception ID** | **Exception ID Date** | **Condition Category** | **Condition Standardized Description** | **Condition ID** | **Exception Level** | **Status** | **Condition Custom Description** | **Cleared Date** | **Compensating Factors** | **Lender Response** | **Comments** | **Loan Status** |
| 2025110667 | XXX | XXX | XXX | Credit | Underwriting Loan Approval is Deficient | XXX | 1 | Closed | 1008 indicates loan was AUS approved (pg XXX); XXX XXX run through XXX as notated on 1008 (pg XXX) and file contains AUS/DU XXX. Per guidelines, Manual Underwrite is required and AUS decisioning is not utilized. AUS/DU findings must be run at XXX regardless of manual underwrite. | XXX | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTi of XXX%.; | XXX XXX - Recd updated 1008 reflecting manual underwriting. | XXX - Recd updated 1008 reflecting manual underwriting. | XXX C A |
| 2025110668 | XXX | XXX | XXX | Credit | Missing Sufficient Evidence of Insurance | XXX | 1 | Closed | HOI Policy (pg XXX) does not list the borrower as the insured or reflect the address of the insured property. Invoice (pg XXX) does reflect the Insured's name of the borrowers. | XXX | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTI of XXX%.; | XXX see attached | XXX HOI Policy reflecting the borrower as the insured and the subject property address received. | XXX C A |
| 2025110668 | XXX | XXX | XXX | Property | Appraisal is Incomplete | XXX | 1 | Closed | Missing updated appraisal reflecting the final sales price of $XXX. Per addendum to sales contract the sales price was reduced to $XXX from $XXX, page XXX. | XXX | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTI of XXX%.; | XXX If having a revised appraisal with the lower amount is required per policy. Please provide snip it of the policy. <br>An appraiser is not obligated to update the sales price if it's lower than original sales contract they previously reviewed .<br>Additionally, the original sales contract and revised sales contract are both under the appraised value of $XXX, and an Appraiser's primary role is to determine the fair market value of the property, and they base this valuation on comparable sales and market conditions, not on the agreed-upon sales price between the buyer and seller. | XXX Agree with lender response. Cleared, TPR Error. | XXX C A |
| 2025110669 | XXX | XXX | XXX | Property | Non-Warrantable XXX | XXX | 1 | Acknowledged | Project has XXX on Roofs Insurance not allowed by XXX because they require full coverage and do not accept XXX insurance - Investor Exception page XXX. |  | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTI of XXX%.; |  | Client: XXX Investor Acknowledged Exception. | XXX C B |

---

## Exhibit 99.33

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.33**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **State** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| 2025110667 | XXX | 1 C A | XXX | XXX | XXX | Not Covered / Exempt |
| 2025110668 | XXX | 1 C A | XXX | XXX | XXX | Non-QM / Compliant |
| 2025110669 | XXX | 2 C B A | XXX | XXX | XXX | Non-QM / Compliant |

---

## Exhibit 99.34

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.34**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| XXX | 2025110667 | Loan Type | XXX | Non-QM | Non-QM loan type verified per lender guidelines. |
| XXX | 2025110667 | Total Debt to Income Ratio | XXX | XXX | Approved DTI XXX%, variance < XXX% is non-material. |
| XXX | 2025110668 | Loan Type | XXX | Non-QM | Non-QM loan type verified per lender guidelines. |
| XXX | 2025110668 | Total Debt to Income Ratio | XXX | XXX | Approved DTI per 1008 XXX%, Review DTI XXX%. Non-Material variance. |
| XXX | 2025110669 | Loan Type | XXX | Non-QM | Non-QM loan type per lender guidelines. |
| XXX | 2025110669 | Total Debt to Income Ratio | XXX | XXX | Source of tape is unknown. Approved DTI per the 1008 XXX%. Review DTI XXX%. Non-Material variance. |

---

## Exhibit 99.35

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **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** |
| XXX | 2025110667 | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | Clear Capital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 |
| XXX | 2025110668 | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXX | 2025110669 | XXX | XXX | XXX | XXX | No | No | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | ClearCapital | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1.5 |

---

## Exhibit 99.36

**[Angel Oak Mortgage Trust I, LLC ABS-15G](aomt-abs15g.htm)**

**Exhibit 99.36**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
| 2025110667 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTi of XXX%.; |  |  | XXX Underwriting Loan Approval is Deficient - 1008 indicates loan was AUS approved (pg XXX); XXX XXX run through XXX as notated on 1008 (pg XXX) and file contains AUS/DU XXX. Per guidelines, Manual Underwrite is required and AUS decisioning is not utilized. AUS/DU findings must be run at XXX regardless of manual underwrite. - XXX - Recd updated 1008 reflecting manual underwriting.<br>|  |
| 2025110668 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTI of XXX%.; |  |  | XXX Missing Sufficient Evidence of Insurance - XXX (pg XXX) does not list the borrower as the insured or reflect the address of the insured property. Invoice (pg XXX) does reflect the Insured's name of the borrowers.<br> - XXX HOI Policy reflecting the borrower as the insured and the subject property address received.<br>XXX Appraisal is Incomplete - Missing updated appraisal reflecting the final sales price of $XXX. Per addendum to sales contract the sales price was reduced to $XXX from $XXX, page XXX. - XXX Agree with lender response. Cleared, TPR Error.<br>|  |
| 2025110669 | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | Verified reserves - XXX months of verified reserves when guidelines required XXX months.; Low DTI - Low DTI of XXX%.; | XXX Non-Warrantable Condominium - Project has XXX on Roofs Insurance not allowed by XXX because they require full coverage and do not accept XXX insurance - Investor Exception page XXX., Client Comment: XXXInvestor Acknowledged Exception. |  |  |  |

---